home › Adviсe › Implementation of the state program social support for citizens. Types and conditions of obtaining a mortgage for large families

Implementation of the state program social support for citizens. Types and conditions of obtaining a mortgage for large families

Stability today and prospects for the future are the most important components of well-being and quality of life. What is needed for this?

Get an education, find a job, get housing and start a family, ensure guarantees of a comfortable old age and health support. In many ways, a person’s social sustainability depends on the conditions created by the state for the realization of rights and opportunities.

Types of state support for citizens

Social policy in Russia covers all spheres of life.

This is the state's strategic action plan with large-scale tasks By:

development of social infrastructure;
creation of intellectual potential;
preservation of cultural and family values;
preserving the health of the nation.

Events are planned for years in advance through state social programs. Forward-looking statements are represented by legal documents adopted at the governmental level.

Program passports include:

The areas are housing, pension, educational programs, support and development of healthcare, Agriculture, families with children and socially vulnerable citizens.

Let’s take a closer look at the social programs relevant in 2019.

Housing

The inaccessibility of housing and outdated communications pushed the Russian government to modernize the housing sector.

A pilot version was launched in 2011 federal program"Dwelling" valid until 2014. The impressive results left no doubt: special events will continue.

Federal Target Program (FTP) “Housing” for 2015-2020

Coordinates the M program Ministry of Construction and Housing and Communal Services of the Russian Federation.

Tasks include:

Target Audience Federal Targeted Programs are citizens to whom the state has obligations to provide residential premises, the population not provided with housing. The program also addresses the interests of the executive authorities of the constituent entities (in terms of creating local housing stock) and representatives of the construction industry.

FTP includes 5 routines, 3 of which are aimed directly at citizens.

“Providing housing for young families”

The government will need five years to resolve the housing problem of citizens under 35 years of age. All of them, of course, need municipalities to improve living conditions.

Officially, unemployed citizens are provided with part of the cost of an “economy” apartment or the construction of a residential building.

Size financing:

Subsidy right confirms. It is issued by local executive authorities. Of course, you won’t be able to buy a penthouse with government money.

Desires are limited social standards for area:

42 “squares” for a family of two;
18 sq. meters for a family with a large composition.

An essential condition for obtaining a certificate is that the family has its own funds or the ability to obtain a housing loan for the remaining value of the property. The state facilitates lending on preferential terms, including using funds.

Subprogram “Fulfillment of state obligations to provide housing for categories of citizens established by law”

The state support segment is aimed at providing housing for the following persons:

retirees of military service, internal affairs units, registered as housing on the waiting list before 01/01/2005;
, law enforcement officers subject to dismissal for health reasons, in connection with staff changes or upon reaching the age limit. Their service life must be at least 10 years “calendar”;
persons affected by radiation during accidents at nuclear facilities;
forced migrants who are on special migration records;
people leaving the Far North and equivalent territories;
immigrants from ZATO.

Support is provided in the form of a cash grant. The confirmation is state housing certificate (GHS). An apartment, a house, its part, or a room are purchased both on the primary and secondary markets. The provision of the certificate is calculated taking into account the standards for the area and cost per square meter of housing in the region.

Installed the following standards:

33 square meters for a single citizen;
42 sq. m for a family of 2 people;
18 sq. m for a larger family.

Every six months, the Ministry of Economic Development sets the estimated cost per square meter for the regions and for the country as a whole. It is prohibited to purchase premises smaller than the standard size. If the subsidy is not enough, the use of credit or own funds is allowed.

The main condition is the absence of your own real estate or the free transfer of existing property to the municipality.

Subprogram “Providing housing for certain categories of citizens” – 2015 – 2020.

The social package is aimed at providing modern and comfortable housing representatives of the public sector:

employees of the prosecutor's office and the investigative committee of the Russian Federation;
rescuers of the Ministry of Civil Defense and Emergency Situations;
scientific workers.

A separate area of the program is the resettlement of the population of the BAM (Baikal-Amur Mainline) territories from emergency housing.

Support is provided through the acquisition/construction of residential real estate for renting out or as service housing, and by providing subsidies for the purchase of real estate ownership.

According to the developers, the implementation of the measures will attract qualified personnel to strategic areas of activity for the country. The BAM zone covers Buryatia, Transbaikalia, Amur and Irkutsk regions. During the years of development of these sites, young specialists were provided with temporary living quarters. To this day, 10 thousand families continue to live in completely unsuitable conditions. By 2020, all these citizens should acquire modern economy-class housing.

Programs to reduce unemployment and promote employment

Government measures to bring the Russian labor market out of the crisis are represented by the targeted federal program “Promoting Employment of the Population” for 2013-2020.

The project aims to and reducing social tension, improving labor relations, assisting in improving the qualifications of specialists in leading areas of the economy and social sphere. It is planned to eliminate the imbalance in the professional environment in some areas by attracting foreign labor. This is a separate direction of the project.

In total, the program includes three routines:

“Increasing employment of Russian citizens and reducing unemployment”;
“External labor migration”;
“Development of labor market institutions.”

The project is coordinated by the Ministry of Labor. The co-executors are the Migration Service of the Ministry of Internal Affairs of Russia (FTS - at the time of approval), the Ministry of Finance and the State Employment Service.

Social sphere

Social tension in Russian society is high. The economic crisis, the turbulent political situation in the world and other factors cannot be discounted or eliminated at once.

But it is quite possible to take additional care measures for vulnerable citizens.

State program “Social support of citizens”

Started in January 2013. The set of measures is designed for a seven-year period.

Implementation will take place in the following areas:

expansion of the targeted and targeted principle of providing measures social assistance citizens in need;
granting powers to regional and local authorities to develop and distribute in-kind and cash forms of social assistance;
addressing the needs of citizens with disabilities, older people for third-party care from social service specialists and other structures;
popularization and creation of conditions for the transition to family forms of education for children and adolescents left without parental care.

The program does not bypass social workers: by 2019 it is planned to raise the salaries of social workers. structures up to 100% of regional average earnings.

"Accessible environment" for 2011-2020

The addressees are disabled people and non-mobile categories of the population (for example, the elderly).

By 2020 planned:

create comfortable conditions for the life of persons with limited functions, including for;
help them socialize optimally;
increase society's tolerance towards people with specific psycho-physiological characteristics.

To do this, it is necessary to ensure optimal access of recipients to services and life support facilities, provide the necessary amount of rehabilitation/habilitation, and reform the activities of medical and social examination institutions.

The sphere of education

A well-functioning healthcare system, quality education and a reliable pension system are the three pillars of the nation’s well-being.

Federal target program for the development of education for 2016-2020 is aimed at creating conditions for increasing the accessibility of quality education at all levels: general, higher, professional and additional.

When implementing the program the following needs to be done:

Reorganize the system higher education: create a network of universities (about 60) focused on key segments of regional economies;
Develop and implement educational standards for specialized secondary and higher education that meet modern conditions;
Create a control system for professional and higher education at the regional and federal levels.
Attract investment funds for the construction of educational facilities and the creation of educational, laboratory, and economic infrastructure of educational institutions.

A separate area includes measures to improve the economics of education.

The state programs of Tatarstan are described in the following video:

Russian state policy in the field of social protection of the population is built on a two-level legislative system. Part of the preferences to all citizens of the Russian Federation who are beneficiaries is provided within the framework of all-Russian legislation. Regions are given the right to develop and implement their own events for residents of their jurisdiction.

General principles of the capital's social policy for 2019

Social protection of the city of Moscow is a set of measures aimed at providing assistance to those most in need according to the following criteria:

insufficient income;
inability to carry out work activities due to various reasons;
getting into a difficult life situation;
to others.

Hint: some of the all-Russian preferences are provided at the place of service. Beneficiaries should inform employers about their involvement in a particular category on their own initiative.

Law No. 70 of 03.11.04 contains the basic principles of providing support to the population for government money. The authorities set themselves the following goals:

Maintaining social protection of the population at the already achieved level.
Creating conditions for adaptation of citizens due to changes in the state social program.
Allocation of funds from the capital budget to especially needy citizens based on:
- initiative statement of applicants;
- compliance with the criteria set out in legislative acts.

The main groups of the population subject to care by the authorities are the following:

, labor, military service and;
repressed and rehabilitated;
distinguished citizens;
minors and students;
others.

Hint: Moscow residents can apply for the benefits they are entitled to via the Internet. Applications are accepted on the State Services website of the Government of the capital. Download for viewing and printing:

Social support for veterans

Veterans are entitled to the following types of assistance:

monthly charges in the amount of 200.0 rubles. (the amount is subject to annual indexation);
use of all types of public transport is free for them;
The budget makes compensation payments at the request of the beneficiary to pay half of the charges for:
- electricity;
- water supply and disposal;
- heating;
- garbage removal;
- natural gas;
Dental prosthetics for this group of the population is carried out at budgetary expense (with the exception of expensive funds);
provision of health vouchers and compensation for travel costs to the place of treatment (once a year);
relatives are paid a funeral benefit in the event of the death of a beneficiary.

Hint: you should apply for all types of preferences to the social security of the capital. You need to have with you:

passport and SNILS;
preferential certificate;
certificate of family composition;
other (in some cases).

Do you need information on this issue? and our lawyers will contact you shortly.

Social support for Moscow pensioners

Paragraph 3 of Law 70 describes the following measures of social support for pensioners permanently registered in the capital:

use of all types of public transport, including metro and trains, free of charge (requires presentation of an ID);
In terms of medical care, beneficiaries are provided free of charge:
- health vouchers according to disease profiles (annually);
- dental prosthetics (every five years), with the exception of structures made of precious metals;
they are entitled to discounts on the purchase of medications prescribed by a doctor;
Single pensioners receive in-kind assistance in the form of:
- home care by social workers;
- patronage;
- cleaning of premises;
- carrying out sanitary and hygienic procedures;
- purchasing food and cooking;
elderly pensioners who have crossed the 80-year-old threshold are exempt from making contributions for major repairs of buildings;
financial assistance for the purchase of things for those in need;
benefits when calculating transport and property taxes;
relatives receive payments related to the burial of beneficiaries.

Hint: social workers care for pensioners for free. Their wards should give them money to purchase food and hygiene products for personal use.

Benefits related to burial in Moscow

This type of support is provided to citizens who have adopted a Muscovite. Both relatives and third parties can apply for it. There is only one criterion - the organization of the person’s burial. The capital has established several levels of assistance related to the categories of the deceased:

Social - 5,562.25 rub. Paid by the Pension Fund authorities within the framework of all-Russian legislation.
The authorities of the metropolis pay an additional 11,000.0 rubles. for each person buried (you should contact social security).

If the deceased had the status of a disabled person or a participant in the Second World War, then the amount increases to 38,400.0 rubles.

Hint: if an employed citizen or a child of a worker has died, then you should apply for payment at the place of service.

Governor's Scholarship

This type of assistance is targeted. A scholarship is awarded to students of Moscow universities who excel in the program and have additional achievements. The payment amount is 6,500.0 rub. . per month. Accruals are not related to the applicant’s regular scholarship (they are carried out in parallel).

Hint: the distribution of the governor's scholarship fund is handled by the heads of the capital's universities.

Social subsidy program

The capital’s program provides several measures of free support for residents:

compensation for the costs of children visiting preschool institutions;
assistance in paying utility bills for those in need;
support for citizens investing in housing stock.

Hint: benefits for kindergarten are registered in the accounting department of the institution. The discounts are as follows:

20% of the average monthly contribution (based on average) for the first child;
50% - for the second;
70% - for the third and each subsequent one.

Subsidizing housing and communal services payments

The budget allocates money to an established category of citizens as assistance to pay unaffordable utility tariffs V. These include:

citizens who are officially allocated apartments from the municipal and state funds;
tenants of private apartments (agreement required);
owners of residential premises:
- apartments;
- shares in apartments and houses;
- members of housing cooperatives.

Hint: subsidies under interstate agreements are awarded to citizens of Belarus and Kyrgyzstan.

Support is calculated based on the following parameters:

income of all members of the applicant’s family;
utility costs within the limits of consumption standards.

According to the established rules, assistance is prescribed for six months. The application date is taken into account:

if it was received before the 15th, then accruals are made for the current month;
if later (from the 16th to the end of the period), then from the first day of the next month.

Hint: subsidy recipients are required to pay the full amount of housing and utility bills from their own funds. The assistance is transferred to their separate accounts after the end of the reporting month. Reimbursement to debtors is suspended or stopped altogether.

Budget support for the purchase of residential premises

There is a program in Moscow to improve the living conditions of citizens. The following persons can become its participants:

not provided with space within the limits established in the Housing Code:
- less than 10 sq. m per person in an apartment;
- less than 15 sq. m - in the house;
living in a building that is unsuitable for this purpose (if it is recognized as such by the Moscow authorities);
family members of a sick person in need of special care, living in the same apartment with other families, under a social tenancy agreement;
using residential premises that are not provided with basic amenities.

The applicant must meet the following criteria:

be registered as needing improved living conditions;
do not own any other residential premises.

Hint: support for the purchase of housing in Moscow is issued by local administrations. Funds are allocated based on the standards established by the Housing Code (18 square meters per family member). Download for viewing and printing:

Social protection of certain categories of capital residents

Law 70 identifies several categories of citizens who are provided with certain types of assistance. These include the following:

victims of the accident at the Chernobyl nuclear power plant;
liquidators;
repressed and rehabilitated.

These population groups are entitled to assistance from the treasury in the form of:

monthly payments;
discounts on utilities;
providing health vouchers to sanatoriums without paying a fee;
extraordinary appointments in medical institutions;
others.

Hint: to receive preferences you will need a certificate. It is formalized by the capital's social security authorities on a territorial basis.

Dear readers!

We describe typical ways to resolve legal issues, but each case is unique and requires individual legal assistance.

To quickly resolve your problem, we recommend contacting qualified lawyers of our site.

Last changes

From March to December 2019 a new social project. It involves the payment of compensation to federal and regional beneficiaries of a given constituent entity of the Russian Federation for the purchase of preferential life-saving drugs. This measure of social support can be used instead of the standard benefit in the form of free or partially paid provision of medicines. The exception is incapacitated persons.
Details of the project can be found on the websites of the mayor and government of Moscow.

Stability today and prospects for the future are the most important components of well-being and quality of life. What is needed for this?

Dear readers! The article talks about typical ways to resolve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

Types of state support for citizens

Social policy in Russia covers all spheres of life.

This is the state's strategic action plan with large-scale tasks By:

development of social infrastructure;
creation of intellectual potential;
preservation of cultural and family values;
preserving the health of the nation.

Events are planned for years in advance through state social programs. Forward-looking statements are represented by legal documents adopted at the governmental level.

Program passports include:

goals and objectives, period of action;
socio-economic justification;
list of activities with stages of implementation;
performers from among specialized government agencies;
financial support mechanism,
expected results.

The areas include housing, pension, educational programs, support and development of healthcare, agriculture, young rural professionals, families with children and socially vulnerable citizens.

Let’s take a closer look at the social programs relevant in 2017.

Housing

A pilot version was launched in 2011 federal program "Housing" valid until 2014. The impressive results left no doubt: special events will continue.

Federal Target Program (FTP) “Housing” for 2015-2020

Coordinates the M program Ministry of Construction and Housing and Communal Services of the Russian Federation.

construction of energy-efficient and functional economy-class facilities;
development of low-rise construction and new forms of citizen participation in this process;
providing affordable housing to special categories of the population established by federal legislation;
providing financial support to those in need of purchasing their own square meters;
modernization of communal infrastructure;
overcoming stagnation in the housing market.

FTP includes 5 routines, 3 of which are aimed directly at citizens.

“Providing housing for young families”

The government will need five years to resolve the housing problem of citizens under 35 years of age. All of them, of course, should be on the municipal waiting list to improve their living conditions.

Officially, unemployed citizens are provided with social subsidies for part of the cost of an economy apartment or the construction of a residential building.

30% for childless young families;
35% for families with children, including single-parent families.

The subsidy right is confirmed by the certificate. It is issued by local executive authorities. Of course, you won’t be able to buy a penthouse with government money.

Desires are limited social standards for area:

42 “squares” for a family of two;
18 sq. meters for a family with a large composition.

Subprogram “Fulfillment of state obligations to provide housing for categories of citizens established by law”

The state support segment is aimed at providing housing for the following persons:

retirees of military service, internal affairs units, registered as housing on the waiting list before 01/01/2005;
military personnel, law enforcement officers subject to dismissal for health reasons, in connection with staff changes or upon reaching the age limit. Their service life must be at least 10 years “calendar”;
persons affected by radiation during accidents at nuclear facilities;
forced migrants who are on special migration records;
people leaving the Far North and equivalent territories;
immigrants from ZATO.

Installed the following standards:

33 square meters for a single citizen;
42 sq. m for a family of 2 people;
18 sq. m for a larger family.

The main condition is the absence of your own real estate or the free transfer of existing property to the municipality.

Subprogram “Providing housing for certain categories of citizens” – 2015 – 2020.

The social package is aimed at providing modern and comfortable housing representatives of the public sector:

civil servants;
employees of the prosecutor's office and the investigative committee of the Russian Federation;
rescuers of the Ministry of Civil Defense and Emergency Situations;
scientific workers.

A separate area of the program is the resettlement of the population of the BAM (Baikal-Amur Mainline) territories from emergency housing.

Support is provided through the acquisition/construction of residential real estate for social rent or as official housing, and provision of subsidies for the purchase of real estate ownership.

Programs to reduce unemployment and promote employment

In total, the program includes three routines:

“Increasing employment of Russian citizens and reducing unemployment”;
“External labor migration”;
“Development of labor market institutions.”

Social sphere

Social tension in Russian society is high. The economic crisis, the turbulent political situation in the world and other factors cannot be discounted or eliminated at once.

But it is quite possible to take additional care measures for vulnerable citizens.

State program “Social support of citizens”

Started in January 2013. The set of measures is designed for a seven-year period.

Implementation will take place in the following areas:

expanding the targeted and targeted principle of providing social assistance measures to needy citizens;
granting powers to regional and local authorities to develop and distribute in-kind and cash forms of social assistance;
addressing the needs of citizens with disabilities, older people for third-party care from social service specialists and other structures;
popularization and creation of conditions for the transition to family forms of education for children and adolescents left without parental care.

The program does not bypass social workers: by 2018 it is planned to raise the salaries of social workers. structures up to 100% of regional average earnings.

"Accessible environment" for 2011-2020

The recipients of program activities are people with disabilities and non-mobile categories of the population (for example, the elderly).

create comfortable conditions for the life of persons with limited functions, including disabled children;
help them socialize optimally;
increase society's tolerance towards people with specific psycho-physiological characteristics.

The sphere of education

A well-functioning healthcare system, quality education and a reliable pension system are the three pillars of the nation’s well-being.

When implementing the program the following needs to be done:

Reorganize the higher education system: create a network of universities (about 60) focused on key segments of regional economies;
Develop and implement educational standards for specialized secondary and higher education that meet modern conditions;
Create a control system for professional and higher education at the regional and federal levels.
Attract investment funds for the construction of educational facilities and the creation of educational, laboratory, and economic infrastructure of educational institutions.

A separate area includes measures to improve the economics of education.

The state programs of Tatarstan are described in the following video:

Still have questions?

Types of state assistance to low-income families

Types and rules for providing state assistance for single mothers

Types and amount of assistance to large families

Types and conditions of obtaining a mortgage for large families

2 comments

hello, I’m 37, my wife is 28, I have two children, I’m the owner, I have an apartment of 42 square meters, my retired grandmother lives with us. Are we entitled to subsidies under programs (housing) or others for housing improvement?

Hello Sergey, on your living space of 42 sq.m. Five people live, it turns out that there are 8.4 sq.m. per person. If the registration norm established by the local government is greater than this figure, then you can register as those in need of improved housing conditions.

You can also find out about regional housing assistance programs from this agency.

Ask a question X

Sections

Popular in this section

Free legal consultation

Moscow and region

St. Petersburg and region

Publication and copying of materials without the written consent of the author is prohibited.

What programs to support young families exist in Russia?

Family is the most valuable thing in human life. The process of creating a social unit is not the easiest process. IN modern world The financial well-being of parents is very important. It is this factor that determines the number of children born to two spouses, the age of pregnancy and marriage. Young people who are not provided with sufficient material wealth do not strive to start a family. For them, the primary task is to find a good job, build a career, gain experience, and earn additional income if possible. There is simply no time to give birth and raise children.

For young married citizens, with or without children, special programs at different levels: federal, regional and even municipal. Their main goal is to stimulate the birth rate in the country. Basically, these types of support provide housing, because having your own roof over your head is the main thing. The Russian Government sets requirements for candidates to be placed on the waiting list. Every year a certain limit of certificates is allocated for certain amounts for the purchase of real estate. In extremely rare cases, residential premises are the subject of subsidies.

Over the past 20 years, Russian citizens have participated in large quantities state programs for housing provision. The most basic and large-scale of them were established at the federal level. In any case, the state must ensure the future of young people, meet them halfway in their desire to create families and support the birth of children.

Legislative regulation of the issue

Regulatory documents, which regulate all state actions in relation to young spouses and their children, are as follows:

Decree of the Government of the Russian Federation No. 1050 on the requirements and procedure for obtaining subsidies to improve the living conditions of a young family.
Order of the Government of the Russian Federation defining the conditions for the entry of young families into federal programs.
the federal law No. 255, regulating the issue of providing financial assistance to minor children.
Federal Law No. 256, on additional measures to support families with children.

In addition to subsidies that apply throughout Russia, the state allows regions to independently and at their own discretion establish similar programs on their territory. The budget, accordingly, will not be of the state, but of a specific entity, or the local treasury will be identified as a source of financing.

Since all such types of support apply only within the Russian Federation, they can be intended only for citizens of the country. Persons with foreign citizenship cannot become participants.

Concerning age, then the participants are married couples where both or at least one of the spouses is under 35 years of age. About Family status You can also say a few words. Under such programs The following couples are eligible:

those who have officially registered their relationship;
with children, regardless of their number;
incomplete, where there is only one parent, with children.

These requirements can be called standard for all types of state aid. Other conditions depend on the purpose of the subsidy, timing and region of residence.

Federal level of assistance

Those citizens who are not able to independently provide themselves with adequate housing, thereby finding it difficult to provide that same financial and moral well-being to their children. It is these categories of the country’s population that are eligible for these social programs.

As of today in 2017, there are several the main largest social types of support, in which young families can participate. All basic data is presented in the table.

application;

marriage certificate;

certificate of family composition;

for 2 people less than 42 m2;

All these social products have proven their relevance and productivity. The demand for these types of assistance is due to the extremely low solvency of the country’s young population, which puts off family values for later, primarily focusing on obtaining material goods.

Regional types of support

As for local authorities and their concerns about the same issues, social programs are also developing at the regional level. Young people with children and childless couples are given the opportunity to stand in line and wait for the moment when the administration hands over a certificate to pay part of the cost of their own house or apartment.

Municipal authorities of various regions may vary the conditions for providing assistance at their discretion, depending on the needs and capabilities of the localities. For example, the circle of people allowed to participate in the “Young Family” state program can be reduced or, conversely, expanded.

Young professionals who got a job in a village or town Voronezh region, receive subsidies from the administration in the amount of 35% of the cost of the purchased housing. In exchange for concessions, they will have to work for this enterprise 10 years. Moscow authorities offer preferential terms for renting housing so you can purchase your own by saving up for it. Also in the capital, there are special mortgage programs for young families, which allow them to buy an apartment from the city authorities at a preferential interest rate of 10% per annum. The maximum term of such a loan is 10 years, and the down payment should be 10 – 20%.

Novosibirsk Housing support requires the presence of children in the family. In addition, the purchased housing must be new, that is, the administration does not subsidize apartments from the secondary market. For Nizhny Novgorod the conditions are more rosy: if during the progression of the queue for financial support another child is born in the family, then 5% is added to the established amount.

The youth St. Petersburg can register in such a program if the community unit has been permanently residing in the city or region for at least 10 years. As for the maximum area per person, the figure for the country is perhaps the lowest - 9 m2. There are more than enough people who want to live here, because there are an excessive number of communal apartments in the northern capital of Russia, and they are inhabited by people of all ages.

Samara is ready to provide additional support to civil servants, and the implementation of this program there is quite successful high level. As a result, families receive real estate with an area of at least 18 m2 for each person. IN Saratov To improve living conditions, a young family should have no more than 10 m2 per person. The regional budget of Saratov is ready to provide 600 thousand rubles, 800 thousand rubles and 1 million for families of 2, 3 and 4 people, respectively. In this case, the mortgage rate is 13%; for a loan to build a house, the repayment period can be extended to 30 years. Those with many children are guaranteed additional benefits when repaying the loan.

For Kazan The length of residence in the city is not important, the main thing is that all family members are registered together. And the maximum area is 12 m2. IN Ufa this figure is slightly higher – 18 m2, and the administration requires annual re-registration of all program participants.

For Crimea In 2017, federal funding is not provided, so the sources will be the municipal budget and the regional treasury.

Through this program, implemented until 2020, it is planned to develop housing construction. For these purposes, solvent young families in need of improved living conditions will be provided with a subsidy in the amount of 30% and 35% of the cost of the housing loan. Citizens with children are given priority, but spouses without offspring are also entitled to assistance.

Banking offers

All of them are generally similar in essence, but still may differ on some points.

Universal terms can be found in each case:

Age restrictions for bank clients are from 21 to 35 years old; at least one of the spouses must meet them.
A permanent place of work and stable income - the duration of the last employment was at least six months, and for the last 5 years the length of service must be at least 12 months. As for earnings, co-borrowers provide bank employees with a 2-NDFL certificate, according to which they assess their solvency.
Down payment – for young families this figure is always lower than in the organization’s regular loan products. As a rule, it is 10% of the total value of the property.

Sometimes banks may push Additional requirements, thereby narrowing the circle of potential clients. These include:

participation in a salary project;
permanent residence in a city or region certain time(usually about 5 – 10 years);
the need to improve living conditions.

To approach the last point, you need to find out the total area of the apartment and divide it by the number of officially registered persons. The resulting indicator should not exceed the standard established for the region.

IN list of banks, offering preferential terms of mortgage lending to young families, include the largest representatives of the market:

There are also similar programs, only with government support. It is expressed in lowering the interest rate by a few more points.

Relevance of the issue

2017, compared to several previous crisis years, is distinguished by lower interest rates, not only for beneficiaries, but also for ordinary ordinary borrowers. Thus, purchasing housing has become more accessible to a wider range of citizens. People actually began to apply for loans more often, and the share of early loan repayments increased slightly.

Preferential programs for young families by the state and banks will be extended for another 3 to 5 years. Stable consumer activity is expected over this period. The benefit for borrowers is obvious, because saving a couple of millions and waiting to buy the coveted apartment is much more difficult than receiving money from the bank and gradually paying it off.

An example of the operation of one of these government assistance programs is presented in the following video:

Still have questions? Find out how to solve exactly your problem - call right now:

Housing programs for young families

The Russian federal budget for 2017 provides funding for a large number of government programs, among which we can especially highlight those aimed at young families with children. The state helps young families improve their living conditions and become owners of their own homes. the principle of targeting and need, according to which:

family must be recognized in need of improved living conditions;
the family must belong to one of the recognized socially vulnerable categories(for example, at the birth of two or more children).

To participate in any of the government programs listed below, families will need to confirm their solvency and raise their own funds for the purchase or construction of residential premises.

Below is a list of the main social housing programs for young families:

What are government programs and what are they?

The federal budget for 2017 and the financing of the expenditure items provided for it are carried out according to program principle, within which the concept is widely used Government program.

State program is a government strategic planning document containing a system of measures interconnected by tasks, deadlines and resources and implemented with the aim of ensuring government functions and achieving the goals of socio-economic development of Russia.

Official website of the Government

Unfortunately, due to the widespread use by the country’s leadership of the program principle for ordinary citizens, there is great confusion in the forms of existence of various programs, within the framework of which some state tasks are solved, including in the field providing housing for young families.

In particular, from official sources we can highlight at least the following: 4 types of programs:

state (state programs);
federal targeted programs (FTP);
subprograms within the framework of the Federal Targeted Program and state programs;
implemented in the form of separate activities within the framework of subprograms.

Maternity Capital program

The Government’s program principle clearly described above is well illustrated by the example of the familiar Maternity Capital program, according to which the Pension Fund issues state certificates in the amount of 453,026 rubles to families with children. in 2017. This amount can be sent in full or in parts in several directions permitted by law, including - improvement of living conditions(purchase or construction of housing).

The financing of this program in the budget law is now carried out in the form of the following system:

name of the state program- Social support for citizens (valid for the period 2013-2020);
- subroutine No. 3- Improving social support for families and children;
  - main event 3.8- Providing maternal (family) capital.

More information about the terms of its validity can be found on the Maternity Capital page.

Federal Target Program “Housing” and the “Young Family” Program for 2015-2020

The Federal Target Program (FTP) “Housing” is one of the longest-lived and has a very long history. In total, there were several editions of it:

for 2002-2010 - completed;
for 2011-2015 - replaced the completed one;
for 2015-2020 - adopted and extended in a new edition dated August 25, 2015 No. 889.

Subroutine “Providing housing for young families”, according to which the state subsidizes citizens for the purchase of housing in the amount of at least 30 or 35% of its cost, was present in the Federal Target Program “Housing” from its very first edition, approved by Decree of the Government of the Russian Federation of August 28, 2002 No. 638.

Now its financing is carried out in the form of the following system:

name of the state program- Providing affordable and comfortable housing and utilities citizens of the Russian Federation (for 2013-2020);
- Federal Target Program "Housing" for 2015-2020;
  - subroutine No. 1 - Providing housing for young families.

Detailed rules for participation in the program can be found on the pages of this website:

general federal rules approved by the Government of the Russian Federation;
features of the implementation of the program in the regions of the country in accordance with local laws.

“Housing for the Russian family” for 2014-2017

By Government Decree No. 323 dated April 15, 2014, Dmitry Medvedev approved the housing state program, which includes planned implementation for the period 2014-2017 new program "Housing for a Russian family"(IOR).

Below are the features of the new program and its differences from the “Young Family”:

the program is aimed at providing families in need of improved housing conditions, economy class apartments costing up to 80% of the average market price for real estate in new buildings in the region, which families will have to pay on their own;
new economical housing must be built and put into operation by developers until the end of 2017(in total, at least 25 million square meters of apartments throughout the country) under special program conditions;
The government subsidizes developers the price of housing that passed the competition and was approved by the Ministry of Construction of the Russian Federation as participants in the program, up to its market value.

Thus, we can highlight the following fundamental differences between the ZhRS program and the “Young Family”:

housing is initially provided at a price below market value, and its entire cost is provided to citizens pay independently(for this you need to confirm your solvency) - for this you can use a certificate for maternity capital or a social mortgage;
Government subsidy issued to non-citizens, and directly to developers who are certified as participants in the program, build economy-class housing and sell it to families at a price of up to 80% of the market value;
you can buy housing only on the primary market- and only in new buildings that are built by certified developers specifically in accordance with the rules of the iron ore resource program.

Financing of the “Housing for Russian Family” program for the period 2014-2017 is carried out according to the following system:

name of the state program- Providing affordable and comfortable housing and utilities to citizens of the Russian Federation (for 2013 - 2020);
- subroutine No. 1- Creating conditions for providing affordable and comfortable housing to Russian citizens;
  - main event 1.8- implementation of the “Housing for Russian Family” program.

Don't lose this article!

Comments 3

Good evening. I think that for young families, a mortgage to purchase a home with 10.5% is too high! As a result, the overpayment is half the cost of the apartment, and this is a very significant amount for a family with small children.

And no one cares about it, as you can see...

Unfortunately, in Russia they don’t care about people at all. Why does the same Sberbank in China give loans to people at 1.5 and 2 percent, but in Russia - please, here’s 11% and higher! Where's the justice? No and never have been.

You work for the state, but it can’t even provide you with affordable housing. 70-80 thousand per square meter - where have you seen this? The more active and widespread the construction, the lower the price should be, and our prices are as if every time the last meter of land is taken away.

And look how much of this land there is - expand the city’s infrastructure. Well, no, we have to build one on one!

Popular in the category: