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State support for purchasing an apartment

Large families raising three or more children under the age of majority, or with children under 23 years of age if they are studying at universities.
Young families, if both spouses are no more than thirty years old.
Citizens serving in public service.
Employees carrying out activities in the budgetary area.
Military personnel who were transferred to the reserve, as well as retirees.
Specialists working in rural areas who are under 30 years of age.
Children who are left without parental care.
Citizens classified as low-income, if they are in line to receive free housing.
Veterans of the Great Patriotic War, disabled war veterans.
Citizens who have worked in the Far North for more than fifteen years are no.

What is the procedure for obtaining official housing?

To obtain official housing, in addition to the application, you must provide several more documents: usually a copy of the passport, a copy of the work book, an extract from the Unified State Register of Real Estate (USRN), a copy of the marriage certificate (or divorce), a certificate of family composition, a copy of the employment agreement or contract (it must specify the period during which the employment relationship will be extended), as well as a petition or statement from the employer.

Service housing is allocated by decision of the authorities or the municipality. After such a decision is made, a rental agreement for office premises is concluded. According to the contract, the employee is obliged to pay regular fees for the use of the premises and pay for all utilities. In addition, the citizen must carry out current repairs at his own expense (major repairs are paid for by the owner of the premises).

Rules for receiving subsidies for the purchase of housing

families with three or more children;
spouses under 35 years of age;
low-income citizens;
military personnel transferred to the reserve;
public sector employees;
civil servants;
veterans, disabled people of the Great Patriotic War and families of those killed;
orphans and children left without parental care;
employees of the northern regions after 15 years of experience;
young rural professionals.

We recommend reading: The right to inheritance after the death of a mother

Who can get support when purchasing an apartment or house?

Professionals moving to rural areas

Due to the fact that for a long time, educated specialists sought to stay in cities to receive higher wages, rural areas cease to develop. In this regard, a special program “Sustainable Development of Rural Territories” was introduced, with the help of which the standard of living and quality of living conditions in villages are improved.

The program provides high-quality financial support in the form of:

additional financing of social contracts. rental subject to further purchase of the home;
making social payments from various state budget sources for the purpose of purchasing living space or building a residential facility in rural areas;
preferential credit conditions and participation of maternity capital in it;
With the help of the state budget, the program for purchasing an apartment is financed in the amount of more than 200 billion rubles.

Military

The official resource “Rosvoenipoteka” provides this short scheme for issuing a military mortgage: “Served - saved - bought an apartment.” In more detail, this procedure looks like this:

The program participant completes his service, and set amounts of money are regularly transferred to his mortgage account.
3 years after the start of participation in the program, the military person has the opportunity to purchase a home with a mortgage. From the already accumulated funds, the first installment is repaid and the remaining amounts are paid within the deadlines determined by the bank.

Now the maximum loan amount reaches 2.2 million rubles. This amount will be accumulated over 15-20 years of service. The amount may be enough to purchase housing with an area of 54 square meters. m, which is enough for a family of 3 people.

If a serviceman has 2-3 children, he gains the opportunity to receive larger housing. However, if the cost exceeds the government subsidy, you will have to pay the difference yourself.

All employees of the Russian Armed Forces, including the Ministry of Emergency Situations, the FSB, the Ministry of Internal Affairs, and intelligence officers can participate in it. Officers, midshipmen and warrant officers automatically enter the system. A private can become a member only after concluding a professional contract.

The loan itself will be repaid by the state while the military man is serving. In the long-term scenario, by the time of retirement, the employee will fully repay the debt and own his own home.

If a citizen leaves the service before the full payment of the mortgage, then the loan will have to be repaid independently, taking into account interest. Responsible for military mortgages is the Federal Office of NIS.

The acquisition occurs as follows:

Having received consent to purchase an apartment, the military man negotiates with the bank to issue a loan.
The agreement is signed with the participation of the Ministry of Defense.
An apartment is purchased with the loan received.

Requirements for the purchased property include the following:

Location in Russia.
Separate kitchen and bathroom.
Water supply.
Working doors and windows.

Read about the state program for subsidizing military personnel here, and in this material we talked about the conditions for subsidizing employees of the Russian Guard, the Ministry of Internal Affairs, the FSB and the police.

Young families

Currently, there is a federal target state program for the purchase of real estate - “Young Family”. Thanks to her, many young families received new apartments or improved existing living conditions. Young families that meet certain requirements can receive government assistance when purchasing housing, such as an apartment, a house, or a room:

Authorized services must recognize the family as in need of housing or improving the existing one.
Spouses must be no older than 35 years old (the same applies to single parents).
A family must have at least one child.
You must provide a certificate of available income or amount of money with which you can pay the down payment.

Attention. To participate in the program, a family must meet all points.

Large families

The assistance program for purchasing an apartment for large families may vary in each of the regions of the state. To find out exactly the conditions for receiving assistance and its type, you should contact your local administration.

A large low-income family with three or more children can use the program (find out whether families can count on any benefits after the birth of 1, 2 and 3 children here). If support is provided in the form of a cash subsidy for the purchase of a home, if the family does not have its own funds, the certificate will be taken into account as a down payment on the mortgage.

At the beginning of 2020, the State Duma submitted for consideration a bill on federal subsidized housing for families with 5 or more children (their own or adopted), living in the Russian Federation for more than 10 years, and in need of improved housing conditions.

The calculation formula is similar to the program mentioned above, that is, the number of people and the amount of square meters allocated to the average market cost. However, given the large size of the family. The minimum area is 75 m2. The bill is currently under consideration.

In addition to programs that provide funds before purchasing housing, it is possible to receive monetary compensation for already purchased real estate using your own funds. Employees of the Federal Penitentiary Service and police officers can apply for these compensations. In addition, as part of the program for relocating their emergency housing, every citizen can apply for a new home or compensation for its purchase.

We provided step-by-step instructions for obtaining a subsidy for the purchase of housing for a large family here.

Aspiring professionals

The “Housing” program includes the subprogram “Providing housing for certain categories of citizens.” Within its framework, there are several areas, one of which is designed to provide housing for young scientists, prosecutors, employees of the Ministry of Emergency Situations of the Russian Federation and federal government employees. In essence, this is the provision of housing on social rent for the duration of service or work.

The second direction is the provision of social payments for the purchase of housing for young scientists. Such certificates are provided by the Russian Academy of Sciences, the Russian Academy of Medical Sciences - to employees of the academy or to scientific organizations subordinate to them.

Scientists under 35 years of age can participate in such a program - for candidates of science and 40 years for doctors of science, who have worked in a scientific organization for at least 5 years and who feel the need to improve their living conditions.

The amount of social benefits is calculated based on the total size of the living quarters, the scientist’s allowance and the average cost per square meter of housing in which the scientific organization is located. Thus, only scientists working in Moscow can buy housing in the capital. As with other programs, there is the possibility of a mortgage loan.

Reference. Currently, the program operates in 23 regions of the country, but the range of activities is increasing every year.

The legal basis of the subprogram is the Government of the Russian Federation Decree No. 765 dated December 14, 2006 “On the procedure for providing young scientists with subsidies for the purchase of residential premises as part of the implementation of measures to provide housing for certain categories of citizens of the federal target program “Housing”” and Decree of the Russian Academy of Sciences No. 142 dated June 20. 2011 “On the procedure for providing young scientists of the Russian Academy of Sciences with social payments for the purchase of residential premises.”

State employees (civil servants)

A specialist who has worked in the civil service and has an official experience of one year or more has the full right to a subsidy for public sector employees to purchase their own apartment. In order to easily receive a subsidy, a civil servant should take into account certain nuances:

The citizen lives in conditions unsuitable for the established level or dormitory.
A person is not the owner of real estate or part of it, as well as a member of the family of owners, except in the case of the need to cohabit with a patient with chronic types of diseases.
The citizen does not have concluded rental agreements for housing, and is also not a member of a family that has such agreements, provided that the rental area is more than 15 square meters for each tenant.
A person can act as a tenant of communal living space or be the owner.
Payments for this type of subsidy are made after providing all the required documentation and registration.

We provide more details about the conditions for receiving subsidies for the purchase of housing by government employees in a separate article.

Disabled people

Since 1996, Resolution No. 901 was adopted according to which citizens with disabilities. have the right to receive social assistance in the form of housing benefits. This is as follows:

Providing free housing.
Allocation of housing subsidies to compensate for part of the purchased apartment.
Providing discounts for people with disabilities to pay for housing and communal services or housing (read how you can calculate the size of the subsidy for paying for housing and communal services here).
Allocation of a dacha participant or land for individual housing construction.

These measures are carried out by local governments in the regions of Russia.

They operate on the basis of Russian Government Decree No. 901, which describes the procedure for providing housing benefits. The resolution also contains conditions under which citizens with disabilities and their families have the right to additional space or other support measures.

We discuss what benefits for the purchase of housing are available to disabled people of groups 1, 2 and 3 in this article, and here you will learn how to get a subsidy for the purchase of housing for a family that has a disabled child.

Conditions

Family living in a room whose area does not meet the minimum size for each person.
The technical characteristics of the premises do not meet the established values.
The apartment for a wheelchair user is located above the 2nd floor. The family is located on the same square in an isolated room with other families. not united by family ties. A patient with a chronic illness lives in the same living space as a disabled person, with whom one cannot live in the same room.
A citizen with a disability lives in a dormitory or communal apartment.

Now you know how a disabled person can buy an apartment.

Single mothers

How to buy an apartment from the state as a single mother? There are several programs under which mothers raising children on their own can get on a waiting list for housing.

The Housing program provides a one-time payment of 35-40% of the price of the apartment. The amount received can be used exclusively for the purchase of housing. The funds received can be used to purchase real estate through mortgage lending.
"Maternal capital". Payments from this program can be used to pay off your mortgage. Also, after the baby reaches three years of age, the funds can be spent on purchasing real estate or obtaining a mortgage.

We tell you more about the rules for providing subsidies to single mothers and low-income families here.

How to get help for buying an apartment from the state

Adult family members must be under 35 years of age (either both spouses or a single person);
The family must be assigned by the body of the subject of the Russian Federation the status of one that needs improved living conditions. All grounds for its provision are stated in Article 51 of the Housing Code of the Russian Federation. These include:
When providing housing space less than the standard;
When living in housing that does not meet technical and sanitary requirements;
Living in the family of a seriously ill person, if the latter can infect other family members, etc.;
If this is a young family, then citizenship will play a significant role. Of course, couples where one of the spouses is a foreigner can also apply for benefits, but the amount of state assistance will be calculated only for a person who has Russian citizenship;
The composition of the family may imply the presence of both a couple and only one of the parents, but it is mainly necessary that there is at least one child in the family. In some cases, couples who do not have children can also apply for a subsidy, at the same time, the more children, the greater the amount of the subsidy;
The family must provide proof of the availability of the amount to pay that part of the housing payment that was not paid as part of the state subsidy, or have sufficient income to be able to draw up a loan agreement for this purpose.

Who has the right to service housing?

According to the Housing Code of the Russian Federation, a service apartment is provided by state or local authorities, while a citizen and his family should not have their own living quarters in the region where he will work.

Question and answer Who should be paid extra for working at night and how much?

In accordance with Art. 93 of the Housing Code of the Russian Federation, service housing is provided only to those citizens who work:

— with government authorities;

— with local authorities;

- with state or municipal enterprises.

Service apartments are also available to persons who have been appointed to government positions in the Russian Federation or elected to elective positions. Providing corporate housing is practiced by some private organizations that have corporate housing.

What documents do you need to collect to receive free housing from the state?

First of all, you need to submit an application requesting to be registered as a person in need of your own housing (only family members who have reached the age of majority can sign the application).

Next, you will need the applicant's passport ; he must be a citizen of the country. The same document must be provided from all members of his family who have reached the age of sixteen - two photocopies of all pages from the passport for each person.

If your family has children under 18 years of age, you will need to take with you the originals of their birth certificates and also make a couple of copies for each person.

Are you married or divorced? You will need a certificate confirming this fact - also in the amount of two photocopies.

TIN of all persons indicated in the submitted application (two copies).

A certificate confirming your income, as well as the income of all adult family members, will also be useful. If you don’t work, then you should get a certificate stating that you are registered with the Employment Fund.

A document about property owned by family members and subject to taxes. It will only be required from those persons who signed the submitted application (also in two photocopies).

In case you want to get an apartment in a city of federal significance, you will have to provide an official document confirming that you have lived on its territory for more than ten years .

You will also need : extracts from the house register (original) and on the status of your personal account (two copies), a passport for living space with a plan received from the BTI (two copies) along with any other documents that can confirm your benefits (but only case if they are due to you in accordance with current legislation).

When submitting an application, be sure to indicate the condition under which you are eligible. If there are two or more, you must list them all. Perhaps this will speed up the process of getting a free apartment.

When will you get an apartment?

Municipality employees have the right to require other documentation. When submitting certificates and papers to the commission, you should ask for a receipt for their transfer.
Within 30 days , specialists review the submitted documents. After this, the applicant is given in writing the approval of his application or the refusal to assign the status of a state apartment in need of transfer.
If the applicant is not satisfied with the response received, he can initiate legal proceedings and challenge the refusal of the housing department.

What kind of apartment will they give you?

The legislation determines which apartments are issued to those in need according to agreements:

for one person it is required to allocate at least 15 square meters (but not more than 18);
a room in a dormitory or a 1-room apartment must be allocated.

When the list of family members includes a woman carrying a child (minimum pregnancy period is 22 weeks), the size of the provided area increases by 15 square meters or more.

The housing provided must meet the following parameters:

being within a populated area;
livability, provision of necessary infrastructure facilities, communications;
the living space must be equipped for people who are classified as disabled.

In what cases will housing be denied?

If the applicant, before applying to local municipal authorities, deliberately worsened his living conditions, then specialists will refuse to provide him with state housing. housing.

Similar situations include when a person:

exchanged a suitable house for an unsafe/dilapidated building with an additional payment transferred to him;
sold the housing with conditions suitable for living in it or issued a deed of gift for it;
damaged the condition of the residential premises by deliberate actions, as a result of which it became unfit for habitation;
moved into the apartment and registered other people in it, with the exception of his father and mother, spouses and children.

However, the commission has studied the commission of the considered actions only over the last 5 years.

Conditions for obtaining housing

The Housing Code of the Russian Federation provides for the provision of free housing to people in need according to the following parameters.

Material condition of a person . In order to determine it, employees calculate the family's total income and determine whether it will be able to buy an apartment in the next 20 years.
Lack of participation in privatized programs . Such people already have housing transferred to them on social rent terms.

The procedure for allocating housing requires taking into account the order of priority. If the documentation is submitted by people who have the right to receive an apartment out of turn, then housing will be provided to them as soon as possible.

Who can take advantage of this benefit and under what conditions?

Low-income citizens can take advantage of the benefit of providing free housing.

A family receives low-income status if the monthly income of each family member is less than the subsistence minimum (it varies depending on the region of the Russian Federation). But this is not the only criterion for recognizing citizens as poor.

This category includes families that fall under the following criteria (may differ in different regions of the Russian Federation):

accommodation under a rental agreement if the family does not have its own home;
the amount of income and property for a certain period does not allow the purchase of housing with the area provided by law for each family member;
unsuitability for habitation of the occupied living space;
living with people who have severe chronic diseases, which makes it impossible to stay in the same apartment (active forms of tuberculosis, epilepsy with frequent seizures, schizophrenia, etc.);
the family does not have property or rented housing, which in total is equal to the legal area for each tenant;
accommodation under a lease agreement, if the number of square meters per tenant is below the established standards.

Each region of the Russian Federation is empowered to independently decide the issue of providing free living space for various categories of citizens. Let us consider in more detail under what conditions certain categories of citizens can receive free living space.

Large families

A large family must first contact the social security authorities at their place of residence to find out what benefits they are entitled to.

As a rule, large families must meet the following requirements to receive free housing:

treat the poor;
have a living space of less than 10 square meters. m. per family member;
live in a dilapidated or dilapidated house;
live for a certain period of time in the region where housing will be received (each region has its own period);
the family has not worsened their living conditions for the last five years (did not sell their home, did not register relatives there, etc.).

To receive this benefit, you must provide the following package of documents (may differ in different regions of the Russian Federation):

certificate of family composition;
residents' passports;
birth certificates of children (over 14 years old - passports);
income statements for the past six months;
rental agreement (if you don’t have your own);
title documents for your home.

Single mothers

Single mothers, along with other benefits and allowances, have the right to free housing under the following conditions:

the mother is disabled;
one of the children is disabled;
the family is large.

Otherwise, free housing will not be provided.

Orphans

An orphan has the right to receive payments from the state to purchase housing. Having become an adult, he must draw up a social rental agreement for housing. After 5 years of living in a rented apartment, he will become its owner.

To do this, he must write a corresponding application upon reaching 23 years of age and provide the following documents:

a document confirming the status of an orphan;
passport;
birth certificates of children (if any);
a certificate confirming that the orphan has no other housing property;
a document confirming that the orphan no longer lives in the orphanage;
military ID;
diploma of education.

Residents of service apartments

Housing can be given to an employee by an enterprise that has it on its balance sheet. In addition, upon liquidation of the company, you can obtain ownership of the official housing.

This happens if the property of the enterprise becomes the property of the municipality, and it decides to transfer the ownership of the apartment in which it is registered to a former employee of the company. As a result, the citizen acquires housing for social rent, and all that remains is to privatize it.

What is a housing subsidy?

Payments to citizens from the local or federal budget to assist them in purchasing housing are government subsidies.

Main characteristics of the housing subsidy:

Intended use.
This is the most important rule , and the possibility of spending the issued amount for purposes other than those provided for by law is completely excluded. First of all, because it is not money that is given in person, but a certificate or certificate.
And only if all the requirements discussed below are met, the equivalent amount will be transferred to the seller’s account;
Validity limit.
This document gives the right to cash payment within a specified period of validity.
If the paper holder was unable to realize his opportunity to receive financial assistance during its validity period, then he can join the queue again;
Gratuitous nature of payments. This means that there is no need to return the funds allocated to the state;
Inability to cash out securities;
Compliance with the principle of co-financing, i.e. The state allocates an amount that is not equal to the full cost of housing; the purchase will necessarily require investments from the citizen himself. In this regard, the certificate or certificate received can act as a down payment in a mortgage transaction, be used to repay an existing loan, or as share contributions.