It just so happens that we trust the statewe are not used to it, but we believe the saying that there is no such thing as a free lunch. However, even in our unstable society, there is an opportunity to receive help from the state. In recent years, several laws have been passed under which young families, both with and without children, can count on a subsidy for the purchase of housing. This type of subsidy is provided by the state under a number of conditions, which are met by almost a third of the families in our country. So how can a young family get a free subsidy? It is not easy to do, but it is possible. Of course, you will have to study your rights, tinker with a bunch of documents, but a new apartment is worth it.
Prerequisites for receiving a subsidy
- Most importantly, to participate in this program, it is necessary that the age of the spouses does not exceed thirty-five years.
- The family, according to the provided supporting documents, should need better housing conditions. For the preparation of relevant documents, it is necessary to invite a special housing commission.
- According to the certificates from the accounts of both spouses, the family must have sufficient aggregate income to pay off the residual debt after using the subsidy.
- According to the state decision in the lawEmployees of the budgetary sphere have the advantage of receiving subsidies. The length of employment should exceed five years. Also, a privileged advantage can be enjoyed by single-parent families, the age of one parent should not exceed thirty-five years.
- If the family has no children, the cost of the subsidy for the purchase of housing is thirty-five percent of the value of the apartment.
- If the family has one child or several children, the percentage increases to forty of the value of the property.
- If the family does not have children and wants to build their own house, acquire new housing, the size of the subsidy is significantly increased to fifty percent.
- If you have one child or several children, when building your own house or buying a new real estate, the state increases the amount of payment to fifty-five percent.
According to the established regulation, the subsidyis provided by non-cash means, the term of disposal of which should not exceed six months. In some regions of the Russian Federation, an additional subsidy is provided, which is appointed by the local government. To participate in the provision of an additional subsidy, you must contact the regional administration in the youth affairs department. As you can see, in order to find out how to get a housing subsidy for a young family, first of all, you need to study all the necessary conditions for the provision of funds established by the government body of the subject of the Russian Federation. According to the regulations, such a right is granted only once and occurs entirely at the expense of funds from the federal budget.
The amount you will be given
Cash is calculated according tohousing subsidy standards. The object for purchase or construction is determined, the family composition and characteristics of the total income are determined. Then the percentage part is calculated. For a family of two, the total area of the living space should be forty-two square meters. If the number is three or more people, then the area of the living space should be calculated based on the conditions - eighteen square meters per person.
Required documents
According to the state program on how a young family can receive a subsidy for an apartment, it is necessary to provide a number of documents, on the basis of which the commission will make a decision:
- A statement of the desire to receive a subsidy, according to the existing form, which must be made in two copies.
- Relevant identification documents for family members. Also a marriage certificate.
- A special document confirming the right of the family to participate in this program. Recognition of her in need of better housing conditions.
- Inquiries about incomes. Calculation of the solvency of both spouses in the event of the settlement of the residual amount after the use of the subsidy.
- A copy of the personal account.
According to the documents provided, it beginsan operation to verify information, which lasts for ten days from the date of submission of documents. Based on the findings, a decision is made. After that, the young family receives a special certificate. The certificate is awarded by the local government at the place of permanent residence. The subsidy, according to the state program, is provided on the basis of the existing certificate, the payment is made by bank transfer, by crediting funds to an open account in the bank. The owner of the special certificate must submit it to the bank within two months after receiving it. If the established period has passed, the bank will not accept the certificate. For re-activation, in case of expiration, it is necessary to contact the local government.
How to dispose of
According to the received certificate, the young familycan purchase any existing housing. Provided that the acquired property is located within Russia. Families can join housing cooperatives, purchase housing at the initial stage of construction. Use mortgages or loans in the process of purchasing real estate. Following the decree of the Russian Federation, in order to pay for housing, a young family must provide the bank with the necessary documents:
- Bank account agreement.
- Contract of sale of real estate.
- Certificate of ownership and related documents on the aggregate family income.
- The contract should specify the maturity and the order of payment of the amount of debt.
The subsidy can be used by the membercooperative as a contribution to the share for residential premises. To perform this operation, a cooperative member must provide the following documents to the bank:
- The document on making a share contribution and the remaining amount necessary for the full repayment of the debt.
- A copy of the existing charter of the housing cooperative.
- An extract from the register subject to membership in the organization.
- A copy of the document, which confirms the ownership of this housing cooperative on the property.
- A copy of the decision to transfer the ownership of the housing object to a member of the cooperative.
Taking into account the necessary conditions for provisionsubsidies, approach the issue wisely and follow the regulatory rules and laws, then a positive decision and a new spacious apartment will not be long in coming!
