Subsidy for an apartment: Who is entitled to it, how to apply for it and receive it

Who receives support in housing matters?

Mainly, state support is expressed in material subsidies for citizens in need. Of course, not all citizens can count on such support, even if they have an urgent financial need.

Thus, the legislation identifies the following categories of citizens who are provided with material support in the form of subsidies for improving housing conditions:

persons who participated in military operations in so-called hot spots;
war veterans;
citizens whose earnings are below the established minimum, sufficient to ensure security;
employees of military structures;
families with three or more children;
persons carrying out labor activities in the regions of the North, as well as in regions that are equated by law to regions of the North;
legally married young people;
children released from orphanages;
disabled people who are officially employed in government agencies and receive wages from budget funds.

In this case, each person is allocated an unequal subsidy. Social services responsible for providing such a subsidy for the improvement of living conditions must, in a separate case, calculate the amount of payment according to his real needs and the needs of his family.

The amount of payment that a person or family needs is calculated according to the number of people living with him and from the monthly earnings of each person. The criterion for determining a person or family in need of a housing subsidy is also linked to the income of the person or family concerned.

Thus, if for each person in a family the income of working-age adults is less than the established minimum subsistence level, then such a family is recognized as needy. The amount of the allocated payment is assigned based on the amount of funds missing to the minimum.

But citizens should not forget that housing subsidies are issued for certain purposes, namely to improve housing. That is, with the allocated funds, citizens are obliged to buy ready-made housing or build their own house if they own a plot of land.

Subsidies for the purchase of housing

The content of the article:

Government subsidies as a chance to purchase your own home

What family does not dream of a separate apartment? The housing problem has been pressing at all times. Especially today, when the macroeconomic situation in Russia is unstable and the ruble exchange rate is constantly changing. Wealthy people invest their savings in the real estate market. But what should the low-income population do? How to buy housing if there are not enough funds for it?

Purchasing housing for such citizens is possible only through government assistance, such as the allocation of subsidies to solve the pressing housing problem.

Statistics show that at the beginning of 2020, 30% of all housing is purchased in Russia with a mortgage. However, not all residents of the Russian Federation are able to withstand the strict mortgage conditions offered by commercial banks. To solve this problem, there is a social mortgage, to which certain categories of citizens are entitled and which is provided in the form of a subsidy for the purchase of housing.

The issue of obtaining this benefit is quite complicated, since its solution involves a partnership between the state and banks.

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You can use the payment once in your life. Housing subsidies are provided through non-cash payments.

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Who has the right to purchase housing using a subsidy?

Who is eligible for housing subsidy? The following categories of citizens have the right to purchase apartments or houses using subsidies:

Persons standing in line to receive housing, since housing registration itself is confirmation that they need better housing. This category mainly includes low-income and large families . Receiving a subsidy for the purchase of housing for such citizens is designed to pay off the down payment for an apartment.
Young families according to the program “Providing housing for young families”. Receiving a subsidy for the purchase of housing for young families is possible in the range of 30-35% of the cost of the purchased housing. But for such a benefit, newlyweds must really need to improve their living conditions (accordingly, stand in line) and have a certain amount to pay the remaining cost of the apartment or house.
Citizens living in the Far North and whose living conditions need improvement.
Civil servants and public sector employees.
Military personnel and their families. Subsidies received through the Department of Defense and the Mortgage Lending Agency can be used both for a down payment on a home and to pay mortgage interest rates.
Disabled people and WWII veterans, disabled children and orphans.
Liquidators of the Chernobyl accident and victims after it.

All subsidies are provided one-time and free of charge.

It should be borne in mind that for each category that can be allocated housing subsidies, there are a number of specific requirements, without compliance with which their receipt may be denied.

For example, if citizens already have living space, the size of which meets the standards, or do not have enough funds to pay off the remaining cost of the apartment. Citizens who have not collected all the documents or made a mistake in the application may also be denied a subsidy.

Procedure for applying for subsidies

There is a certain procedure for applying for subsidies for the purchase of housing. However, there are differences in how to apply for a subsidy for individual entities. There are also different types of subsidies for the purchase of housing for different people in need.

Subsidies for young families are provided in the form of a certain state participation in the purchase of housing. For families with children, payments are provided in the amount of 35% of the full cost of housing, and for childless families - 30% .

The main condition for receiving such assistance should be the age of the spouses, which should not exceed 35 years . They should also not have their own living space that exceeds the established norm. And, of course, the family must have a certain amount to pay off the remaining cost of housing.

Having collected all the necessary documents, you need to take them to the district executive committee and write an application for placement on the housing queue. You also need to apply for a subsidy there. After approval of this application, the family is issued a subsidy certificate with a personal secret account.

Within 6 months you need to find suitable housing and make its purchase.

What documents are needed to apply for a subsidy? The list of required documents is almost the same for all categories:

photocopies and originals of passports and birth certificates of all family members;
documents confirming marriage or divorce;
copies of work records;
a certificate from the Housing Office about family composition;
certificates of official income of all family members.

Subsidies for the purchase of housing are possible for people on the housing waiting list. These are mainly low-income and large families. First of all, these are citizens who rent living space or live in municipal housing. The procedure for providing housing benefits to this category is almost the same as for young families. For such persons, government funds are allocated to pay off the down payment for future housing.

The validity period of the subsidy is the same, that is, 6 months. To complete documents for this benefit, you need to contact the housing department at your place of residence.

To the usual package of documents you must add a certificate from the housing construction commission confirming that you require improvements to your living conditions.

A one-time housing subsidy is also available to persons who for 15 years and need to improve their living conditions. Such citizens are provided with housing in other regions of Russia through free housing subsidies. To receive such assistance, you need to contact the executive authorities of the constituent entity of the Russian Federation at your place of permanent residence. Copies of documents confirming the required work experience in the Far North regions are added to the general package of documents.

Military mortgage is a special type of subsidy for military personnel to purchase housing. It is issued at a time in the form of financial assistance (80% of the cost) only for the purchase of housing or its construction.

First of all, in this category, officers who have retired to the reserve, servicemen on the waiting list who have served in the Armed Forces for at least 3 years , and families of deceased military personnel (who have previously served 10 years) are entitled to receive such a subsidy. The size of the subsidy depends on the composition of the family and. accordingly, on the number of square meters of housing.

To apply for this benefit, you need to open a bank account and contact the authorities dealing with this issue. The package of documents is standard, plus additional documents upon request (military ID, document on service in hot spots)

Disabled people of all groups, families with disabled children, and WWII veterans are eligible for a subsidy. However, the majority of disabled people receive only social housing under the terms of social rent. Rent for such persons is also provided at a large discount.

Subsidies for civil servants for the purchase of housing in 2020 are based on calculations:

33 square meters of total housing area - for 1 person;
42 square meters of total housing area - for a family of 2 people;
18 square meters of total housing area for each family member - for a family of 3 or more people.

In this category, a correction factor is applied depending on the length of service:

from 3 to 5 years of experience - 1,05;
from 5 to 9 years of experience - 1,1;
from 9 to 11 years of experience - 1,15;
from 11 to 15 years of experience - 1,2;
from 15 to 20 years of experience - 1,25;
20 years of experience or more - the coefficient increases by 0.05 for each year of service, but does not exceed 1.5 .

And only (in most cases) WWII veterans receive direct subsidies. To receive financial assistance, you must add a certificate of disability and documents on benefits to all documents.

Subsidy calculation

How to calculate the subsidy required by law? Its amount depends on several factors. There is a special calculator for such calculations. The calculation of the subsidy and the amount of payment for the purchase of housing is calculated as follows:

The cost of 1 m² of housing in a specific area of Russia is taken.
The required living space for a given family is calculated depending on the number of its members and housing standards per person in a given region. 18 m² per person .
These indicators are multiplied, and the cost of the future purchased housing is obtained.

The size of the subsidy itself depends on the category of citizens and, accordingly, the percentage that is due to a person of this category by law.

The calculation of subsidies for military personnel for the purchase of housing in 2020 is carried out according to the same principle, but taking into account the fact that this category pays 80% of the cost of housing.

An example of calculating a subsidy for the purchase of housing

The young Astakhov family lives in Moscow. The area of a one-room apartment in which parents and two one-year-old children are registered is 48 square meters. meters. To improve their living conditions, the Astakhovs, having a regular income, want to buy an apartment of 60 square meters. meters using a mortgage, and make the down payment using a government subsidy for the purchase of housing.

The Astakhovs are a family in which the age of the spouses does not exceed 30 years. Considering that they have two small children, according to Decree of the Government of the Russian Federation of May 13, 2006 N 285 Moscow, the state can provide them with a subsidy of at least 35% of the estimated cost of housing. The cost of housing is calculated using the formula:

Art. J. = R.J. x N. , where N is the housing standard, and R.Zh. – size of housing.

According to average market value indicators for the second half of 2020, the cost of 1 sq. meter in Moscow - 90,400 rubles.

The amount of the subsidy for this family will be: 35% x 60 x 90,400 = 1,898,400 rubles.

Implementation of this type of subsidies in the regions of the Russian Federation

Moscow is a leader in implementing programs to provide subsidies for the purchase of housing. This issue is dealt with directly by the Housing Department and the city’s special housing fund. For every lucky person who receives such targeted assistance, an IBCS opens.

A huge number of special programs for providing housing subsidies exist in St. Petersburg . Particularly noteworthy are such programs as “Housing for WWII Veterans”, “Affordable Housing for Youth”, “Housing for Employees of Educational, Health and Social Services Institutions”.

The priority areas for the implementation of social mortgage programs in Nizhny Novgorod and Ufa are the provision of subsidies to young families and people on the waiting list for housing.

In Novosibirsk there is a fixed amount of subsidy for the purchase of housing - 300,000 rubles. Young families have priority right to receive it.

Conclusion

Subsidies for the purchase of housing are provided one-time to the following categories of beneficiaries:

low-income and large families queuing for housing;
citizens living in the Far North;
civil servants and public sector employees;
military personnel;
disabled people and WWII veterans;
orphans and disabled children;
liquidators of the Chernobyl accident.

List of laws

Rules for providing subsidies for improving housing conditions

As already noted, subsidies for improving housing conditions are not provided to every person. The legislation establishes certain conditions for a person to have the right to apply for this type of support in the form of money.

Thus, citizens have the right to apply for this type of subsidy if:

they are included in the list of persons established by law for whose support this subsidy may be issued;
they are recognized by social services as persons in need of improved housing quality, which is official confirmation of the status of a person in need.

Provided that persons fall within the specified criteria, local authorities will issue an appropriate certificate certifying their eligibility to receive this subsidy. At the same time, most citizens try to deceive government agencies in order to receive such a subsidy, although they themselves do not need it.

Obtaining the status of a person in need by deception or forgery of certain documents entails certain punishment. Such a penalty could be deprivation of the right to apply for this subsidy over the next five years.

To establish the fact of the need for housing improvement, social services and local authorities first of all pay attention to the housing currently available to applicants. Living conditions must comply with the requirements of housing legislation.

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Who is eligible for government subsidies and how to get them

Thus, housing legislation establishes the following minimum requirements for the quality of housing occupied by certain persons:

housing must be suitable for living;
housing should not cause harm to the health of persons living in it;
Each resident must have at least 12 square meters of living space.

In addition, the criteria for determining the adequacy of living space per resident are established in different areas depending on the state program under which the subsidy is issued.

So:

if the subsidy is issued under the federal Housing program, then for each person when calculating the living space there should be 33 square meters;
if subsidies are carried out according to the support program for young families, then at least 18 square meters of living space must be allocated for each family member.

But it is worth noting that with regional programs of housing support for the population, each region has the right to set its own minimum values for providing people with living space. For this reason, before applying for a particular subsidy, it is necessary to consult with responsible employees of authorized government bodies.

How to get a free apartment from the state for a young family

Do not have any residential property;
Owners of housing under a contract of sale or social tenancy, provided that the number of square meters for each family member does not reach the figure regulated by law;
Living in premises that do not meet sanitary standards and requirements;
Citizens sharing living space with several families, one of which has a person suffering from a serious illness that does not allow them to live in the same room. The list of such diseases is regulated at the federal level of executive authorities.

So, this semi-program implies government payments equal to 30-35% of the amount that the family invested in housing. The undoubted advantage of this program was its versatility - it was thanks to it that it gained serious popularity among Russians. First of all, through it you can purchase not only an apartment, but also other residential real estate, including a private house.

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Types of housing subsidies for citizens

The state is constantly developing new support programs.

Today in the Russian Federation there are the following programs to help citizens solve housing problems:

preferential lending to citizens at a low interest rate;
state subsidies for individuals to purchase or build their own home;
mortgage issued to military personnel;
a subsidy issued in the form of a certificate, which is cashed only when the funds are used for appropriate purposes;
social mortgage issued at a low interest rate.

What type of assistance will be provided to a particular person depends on the status of the person, on which category of beneficiaries the person belongs to.

Money for each individual case of subsidization can be allocated both from local budgets and from national funds.

The main condition for allocating money to subsidize citizens for housing is that the funds are provided free of charge. However, the state has the right to establish certain conditions under which these funds can be used.

These conditions are:

targeted spending of allocated funds - citizens who are allocated a subsidy can use the funds only to purchase a home or to build their own residential building;
limited period of use - persons to whom the state has allocated funds are obliged to use these funds in accordance with their purpose within a certain period of time.

Today, persons who have been allocated a subsidy by the state undertake to use these funds in accordance with the purpose of their allocation within six months from the time the funds were allocated to them.

If people are late, then the state gives them a chance to apply for the subsidy again. However, in this case, they will have to fill out all the documents again and wait their turn.

What can this subsidy be used for?

According to the law, you can spend funds allocated by the state to improve your home for the following purposes:

to pay the full or partial cost of the purchased housing;
to repay an existing mortgage loan;
to carry out repair work in an existing dwelling, but on the condition that the dwelling belongs to the recipient of assistance on the basis of legal ownership.

All detailed rules for receiving and using subsidies are established by the relevant federal and regional legislative acts. For this reason, first you need to decide what kind of subsidy you need to apply for.

We recommend that you read:

How to calculate an apartment subsidy

Who is entitled to a subsidy for the purchase of an apartment in 2020: conditions and state programs

Decree of the President of the Russian Federation dated October 24, 2011 No. 1422 “On housing provision for certain categories of citizens of the Russian Federation.”
Decree of the Government of the Russian Federation dated January 27, 2009 No. 63 “On providing federal civil servants with a one-time subsidy for the purchase of residential premises” (ibid., “Rules for providing federal civil servants with a one-time subsidy for the purchase of residential premises”).
Decree of the Government of the Russian Federation dated December 5, 2011 No. 994 “On the implementation of Decree of the President of the Russian Federation dated October 24, 2011 No. 1422 “On housing provision for certain categories of citizens of the Russian Federation.”
Decree of the Government of the Russian Federation dated 02/03/2014 No. 76 “On approval of the Rules for calculating subsidies for the acquisition or construction of residential premises (living premises) provided to military personnel - citizens of the Russian Federation and other persons in accordance with the Federal Law “On the Status of Military Personnel”.
Federal Law of October 25, 2002 No. 125-FZ “On housing subsidies for citizens leaving the regions of the Far North and equivalent areas.”
Decree of the Government of the Russian Federation dated April 15, 2014 No. 296 “On approval of the state program of the Russian Federation “Social support for citizens.”
Decree of the Government of the Russian Federation of December 17, 2010 No. 1050 “On the federal target program “Housing” for 2020 - 2020.”

find out the required list of documentation and certificates (the need for their original presentation or the sufficiency of a copy) from specialists of the government agency where the queue is formed at the place of residence;
collect a complete documentary package;
submit an application with documents;
wait for the commission's decision (one month);
if approved, wait your turn for a subsidy;
open a special account in a bank participating in the state subsidy program, where, after the turn arrives, funds are credited;
within the period specified by the certificate, spend the funds in accordance with the intended purpose: purchase/construction of an apartment/house, repayment of the mortgage.

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How to get a subsidy for improving housing conditions out of turn

As already noted, people are provided with subsidies to expand their housing conditions on a rolling basis. The one who filled out the documents and got in line earlier will receive the money first. The state and local authorities will implement the state program or the program of their own region as funds become available in the respective budgets.

However, the law establishes certain categories of applicants for subsidies who have the right to receive support without waiting their turn.

The following categories of citizens are classified by law as such persons:

citizens whose homes are recognized as being in disrepair;
persons living in housing whose wear and tear is estimated at more than 70%;
citizens struggling with a serious or chronic illness;
persons who live with the citizens listed above in the same residential premises.

In addition, citizens who are officially recognized as war veterans receive subsidies on a preferential basis.

Today, the following categories of persons have the right to be called a veteran:

persons who participated in the military operations of the Second World War (Great Patriotic War);
persons who became disabled during the Second World War;
persons who lived in this city at the time of the siege of Leningrad during the Second World War;
military personnel who served on the front line for more than six months during the Second World War;
citizens who worked at defense and military enterprises of the USSR during the Second World War.

All persons who in any way contributed to the victory in the Second World War, by participating in hostilities or working in the rear, are entitled to receive comfortable housing at the expense of the state.

Features of receiving subsidies for an apartment for newlyweds

The “Young Family” program will answer the question of how to apply for housing subsidies for newlyweds.

Young families are a category of citizens for whom the issue of housing is especially acute. The state thought so, so in 2010 the government issued Resolution No. 1050 of the Federal Target Program “Housing”. Initially, the program was set within the framework of 2010-2015, but at the end of last year the deadline was extended until the beginning of 2020.

Below are the conditions for starting participation:

All family members must have citizenship of the Russian Federation;
The fact of registration in the city must be at least 11 years;
The age of the spouses is not older than 35 years;
The program applies to both two-parent and single-parent families;
Confirmation from the city administration that the family really needs government funds.

The verdict on receiving a subsidy is made by an administrative commission, which is located at the place of residence. When making a decision, the commission pays special attention to the area of the apartment in which the family lives.

Providing subsidies to families with many children

Despite the special status of certain categories of persons, large families are a priority in this matter. Although they are forced to wait in line, their right to subsidies is recognized as indisputable.

Families with many children are considered to be families in which, in addition to their own children, they also have adopted children. For a family to be recognized as large, there must be more than three children living in it. However, in certain regions of the state this figure may be higher.

Persons who are taken into account when obtaining such status are:

Children who are under 18 years of age at the time of registration of this status. It doesn’t matter whether the child is your own or adopted.
Children who study in higher educational institutions and who are under 23 years of age at the time of registration of status.
Children who study full-time at a university, regardless of their age.

A subsidy for a large family is issued according to an application by the authorities of the locality in which such an application was submitted. Accordingly, funds for housing provision for such families are allocated from local budgets. Since the budgets of most settlements are small, families have to wait for their turn for years.

In addition to, in fact, the status of a large family, it must have the status of a home in need of improvement. To do this, it must meet the requirements specified earlier.

Recipient categories

Housing improvement subsidies, being a specific method of payment for purchased residential premises, can be combined with other payment methods. Thus, in particular, a gratuitous subsidy is taken into account when applying for a mortgage issued for the purchase of housing.

Important! Receiving subsidies of a free nature for the improvement of housing conditions is carried out thanks to funds from the state budget, in the amount of five to seventy percent of the direct price of the purchased living space.

As such, the size of this subsidy depends on the period during which the subject is registered as in need of improved living conditions, and on the average market price of housing in the subject’s place of residence.

In order for a person in need of improved housing conditions to have the opportunity to receive a free subsidy, without any difficulties and unnecessary time expenses, he needs to contact a professional lawyer. He will help you choose the most suitable option, collect the necessary package of documents for its registration, and provide full legal support for the procedure for purchasing a home.

ATTENTION! Due to recent changes in legislation, the information in this article may be out of date! Our lawyer will advise you free of charge - write in the form below.

Housing benefits are issued only to certain categories of citizens. At the moment, we can distinguish the following groups of citizens who can receive them:

Youth families, where each spouse is no more than 30 years old. For this category, the amount of subsidy can be: for families with children - up to 35% of the cost of the purchased housing, for childless - up to 30%. True, some regions provide financial assistance to the described category in the amount of the entire cost of housing. The size of the housing subsidy is determined by calculating the income of each working family member and the regional average cost of a square meter of housing. The only requirement for the entire country is one thing - the size of the purchased home should not exceed the area allocated according to the law to each member of the family;
The second group of citizens includes departmental employees. Including the military. In the described case, financial assistance is considered a kind of replacement for a military mortgage. And therefore its size is equal to 100% of the cost of the home. Naturally, the size of the latter must meet all the requirements of the sanitary code;
For residents of the Far North. This subsidy is provided to those families who have lived in the relevant areas for at least 15 years. The procedure for receiving funds corresponds to the order of the queue in which the family will be registered as needy. The amount of financial assistance provided is different in each locality;
Another category is WWII veterans and disabled people. This group is financed under special conditions. Therefore, 100% of housing is subject to payment, regardless of the region of residence;
The next category is low-income and large families, combatants, liquidators of the Chernobyl accident and other residents of the country. It is necessary that their living conditions be recognized as unsatisfactory, and they do not have sufficient funds to improve them on their own. Some regional authorities have imposed additional conditions so that residents of the region can be included in the list of those eligible to receive financial government assistance.

A subsidy is a benefit, which means that only certain categories of citizens can receive it. The preferential list includes:

Veterans of the Great Patriotic War.
Relatives of a deceased WWII participant.
Citizens who survived the siege of Leningrad and members of their families.
Workers of defense enterprises in wartime.
Liquidators of the Chernobyl Nuclear Power Plant.
Young families, the age of husband and wife should not be more than 35 years.
Military personnel or civilians who took part in hostilities.
Families who became participants in programs to provide comfortable housing.
Civil servants.
Families that have received the status of large families.
Disabled people.
Orphans.
Active military personnel transferred to the reserve due to age or health conditions, as well as families of those killed in the line of duty.
Teachers working in state educational organizations.
Medical workers.
Young professionals who work in rural areas or in the agro-industrial complex or live in a hostel.
Citizens living in the Far North or staying there on a rotational basis to perform professional duties, with at least 15 years of work experience.

Not all citizens included in the list can qualify for a subsidy. Among other things, they need to meet a number of requirements.

Persons who meet the following requirements can count on government assistance:

Neither the applicant nor his family members have their own living space.
The social lease agreement has not been concluded.
Sanitary, living and other conditions do not meet established standards, which places the owner in the category of those in need of improvement.
The applicant lives on the territory with his relatives, but one of them suffers from a serious chronic disease, which poses a danger to others.
The recipient himself or his relatives have property, but it does not meet the area standards for one person.

The main selection criterion is the lack of living space or its insufficiency for living. Standards are determined by local governments and may vary depending on the region and subject of the federation.

Another condition that must be taken into account is permanent residence. The person in need must live in the same region where he is applying for housing for at least ten years. Assistance is provided only to persons with citizenship who have permanent registration at their place of residence.

To understand what a gratuitous subsidy allocated for the purchase of housing is, who is entitled to it and how to apply for it, it is necessary to familiarize yourself with the Resolutions formed by the Government and Federal laws, as well as with the legislative framework of the authorities in the region.

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What it is

The essence of the subsidy for an apartment is the registration of free financial assistance to residents from the federal budget in conjunction with the municipal budget from government bodies. In other words, an apartment subsidy is a type of benefit provided in the form of money that does not need to be repaid. In this way, assistance is provided to people in dire need of it.

The amount of the benefit is determined by the authorized bodies based on the information provided by the needy citizen about himself and his family.

Three conditions apply to the apartment subsidy:

one-time receipt;
free use for its intended purpose within the allotted period;
report on the expenditure of issued funds.

This means that it will not be possible to issue it to the same person again, and having spent the amount, the citizen does not reimburse it in any way and is obliged to use it strictly for its intended purpose.

A person who violates the terms of the benefit or artificially worsens his position will be obliged to return the full amount within a specified time frame, and may also be subject to criminal liability if his actions are regarded as fraud.

You can exercise the right to pay for an apartment using subsidies on the secondary market or housing that is under construction by activating the certificate in a non-cash manner.

The amount agreed upon in the documents is credited to the personal bank account opened by the recipient of the benefit from the budgets of the federal and municipal levels. After presenting the certificate to the bank, it must be spent non-cash before the expiration of 6 months.

Ways to use the certificate under the program for improving the quality of living conditions:

purchasing an apartment under a regular sales contract;
construction of a private residential building or payment for housing in an apartment building under construction;
payment of debt on a previously issued mortgage or as a down payment for it;
for a major renovation of an existing apartment.

The citizen reports on the expenditure of funds to the authorized bodies, for example, to the housing and communal services department or department:

photocopies of checks;
a photocopy of the real estate purchase and sale agreement;
using documents directly for real estate or documented facts of non-cash transfer of money when investing in construction or major repairs of housing;
other related official papers.

The possibilities of using the certificate should be clarified when choosing the type of housing subsidy program.

State control lies not only in the intended use of funds by the recipient, but also in the security of the transaction itself.

When covering expenses with a registered real estate subsidy, the latter must meet a number of requirements:

not have any encumbrance imposed on it, for example, a lien;
registered in the name of the recipient of the subsidy, and not in the name of an outsider.

Provision is made for an inspection of the purchased housing by specialists from the legal department of the responsible government agency. Additionally, local authorities may impose restrictions on the purchase of an apartment under a certificate in new buildings that are in the initial stage of construction, or vice versa, on the purchase of residential premises on the secondary market.

The list of people in need and applying for free government support is developed at the federal level and depends on the situation in the region. Local government can add to the list. Regional authorities have no right to reduce it.

Citizens who need positive changes in their quality of life by exercising the right to receive a housing subsidy include:

large families simultaneously raising 3 or more children or full-time university students under 23 years of age, as well as those undergoing compulsory military service upon conscription;
a young family, where the husband and wife are under 35 years old;
persons performing duties in the public service;
persons who participated in hostilities, as well as WWII veterans or members of their families who were left without a breadwinner;
military personnel transferred to the reserve or retired military personnel;
young specialists of some professions voluntarily working in a remote village;
orphans without parents or guardians;
people living in the Far North or similar conditions for over 15 years, who want to live in more favorable regions;
low-income families;
workers in the budget sector.

Disabled and financially disadvantaged persons

Special rules apply when subsidizing disabled people.

So, when providing a payment to a disabled person, the following rules must be taken into account:

the subsidy is not given to those who live with disabled people;
when several disabled people live in one family, the subsidy is provided to all of them separately;
if a disabled child lives in a family, the subsidy is calculated based on the number of members of such a family;
disabled people who, due to their physical disability, use wheelchairs have the right to receive subsidies without waiting their turn.

Some financially disadvantaged individuals may also qualify for preferential subsidy conditions. For example, such a person could be a single mother.

A single mother is required to formalize the following facts:

that she truly cares for the children alone;
the fact that she does not have enough income to support her children and provide them with the necessary living space.

However, despite the difficult situation of single mothers and other financially insecure individuals, they cannot apply for subsidies out of turn.

Conditions for receiving government subsidies

In order to receive government assistance in purchasing or improving existing housing, all categories of citizens must be recognized as needing it. Here is a short list of necessary conditions for this:

Living conditions in existing housing do not meet generally established standards;
The family lives in a dorm or communal apartment;
People who have serious illnesses live in the same living space as them;
Each family member has less than 15 square meters of available housing;
Two or more families live on one living space.

Required documents for housing subsidy

Certificate of family composition;
Certificate of income. Every working person in the family needs it;
Certificate of available living space;
Copies of passports, marriage and birth certificates;
A certificate stating that the existing living space belongs to you;
Documents for benefits.

We invite you to read: Refusal of inheritance in favor of another heir, application for refusal

Receipt procedure

The first step is to write an application in the prescribed form with a list of documents attached to it. Then wait for the decision of the special commission. She must review your application within a month and decide whether you are worthy of a subsidy. And if you are worthy, then what amount do you need to provide, and what size living space can you qualify for?

If the commission’s response is positive, the applicant must get in line for a housing subsidy, and as a result, he will be issued a certificate of financial assistance. It can only be used within six months after issuance. In addition, the applicant must have a registered bank account to which the entire subsidy amount is transferred. After which it must be transferred to the account provided by the seller. It is impossible to receive the described assistance in cash. Using the subsidy calculator, you can independently calculate the amount you receive.

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The state provides financial assistance to preferential categories of citizens, which is expressed in the form of a free subsidy issued to improve housing conditions. The subsidy is issued as a certificate that can only be spent for its intended purpose; it cannot be cashed out or used for other purposes. If any amount of the allocated subsidy remains unspent, it is returned to the regional budget and redirected to others in need.

State assistance is based on the implementation of constitutional human rights, because every citizen has the right to their own housing.

Subsidy programs are enshrined in legislative acts that clearly regulate the process of identifying need and the procedure for issuing state assistance.

Housing programs are subsidized from federal and municipal budgets. Every year, an item on the allocation of assistance to those in need to purchase their own housing or improve the quality of existing square meters is included in the expense items.

Categories of citizens who can receive housing subsidies

Approximate requirements for the general list of mandatory documents for registration and issuance of a certificate:

passport of a citizen participating in the housing subsidy program;
marriage certificate;
information about the personal account created in the bank;
extracting information recorded in the house register about all family members;
adult passports and birth certificate forms for children under 14 years of age permanently living with the applicant in the same territory;
a document officially indicating that the person awaiting the subsidy belongs to one of the categories. For example, it could be a work book or a military ID;
a package of official information on the ownership of existing housing, if available;
a mortgage agreement, if any;
certificate of income and expenses from the tax office.

Depending on the person’s membership in the preferential category, the requirements for the package of documents for registration will vary.

Progress in the queue will accelerate if there is a seriously ill person in the family or the housing is considered unsafe.

The amount of financial payment will reflect the presence or absence of children in a young family.

This relationship shows that:

if there are no children, payment for the certificate is 30%;
upon the birth of one child, the payment will be 35% of the property price.

Parallel use of maternity capital funds when purchasing an apartment is allowed.

For the poor

A family is recognized as low-income if social security authorities determine that its total income is below the subsistence level. If a person in such a family is of working age, but does not work, the status will be granted.

For those on the waiting list

The state program “Housing” allows young people in need to receive a subsidy for the purchase of an apartment or the construction of their own home. It is being implemented in 2018-2020 in all regions of Russia.

Its essence lies in the fact that people who get married receive part of the money for an apartment from the state free of charge, and part - on credit on preferential terms, amounting to up to 10-12% of the return on the debt.

However, the calculation of the allocated amount does not take the market value, but the estimated value of the square. m, and its size is envisaged to be no higher than 30-40% of the full price of the apartment. The initial financial situation of the family itself and its solvency are also taken into account.

Large family

A family with many children is given priority in the queue.

At the time of registration of the application, the following requirements must be met:

presence of 3 or more children;
The work experience of both parents is over 10 years;
living in a dilapidated or dilapidated house with housing standards below the established ones.

To receive a subsidy for an apartment for a large family, when submitting documents for registration to the queue, you must present a certificate of the large family.

Young professionals can take advantage of the subsidy under certain circumstances.

Requirements for employees in the public sector:

recognition of one of the spouses under the age of thirty-five as needy;
both spouses must work in the public sector;
the presence of one or more children.

However, housing is provided for rent for up to 5 years under a special contract, after which it is simply extended.

State financial assistance for WWII veterans or their widows is provided in full according to the market price of real estate. Support is also provided to liquidators of the consequences of the Chernobyl disaster, people who participated in military and combat operations.

It is necessary to present a veteran's ID, marriage and child certificates, a certificate from the BTI confirming the absence of ownership rights to the living space in which the veteran is located, if it does not belong to him, as well as the result issued by the commission after its examination.

Military personnel who have been transferred to the reserve and do not have their own apartment, or if their living space is less than the standard norm, have the right to apply for a state subsidy for the purchase of more spacious housing.

List of requirements for a military personnel:

the total family income should not exceed the size of the down payment on the mortgage;
the composition of a military family, the number of able-bodied persons and dependents are considered;
The average price per 1 sq. m. is taken into account. m of living space in a populated area;
the number of available meters per person;
length of service.

To issue a subsidy, military pensioners must fill out an application. After which the citizen will be added to the queue.

The process of applying for a subsidy for military personnel includes:

formation and submission of an application to housing authorities;
check within 10 days for the absence of additional sq. m from the applicant and from persons included in his family;
based on the results of the inspection, a positive or negative decision is made no later than 10 working days;
the financial support department of the Russian Ministry of Defense and the military personnel are informed by the housing authorities about the ready decision no later than 3 weekdays.

In this case, if the decision is positive, after a month they will give you a certificate in a specially established form, and funds will be credited to the serviceman’s personal account.

For disabled people

People with the assigned disabled status must submit a package of documents to the authorized bodies in order to receive a subsidy for the purchase of an apartment.

List of documents from a disabled person:

certificate confirming disability;
the commission’s conclusion on the need to improve the quality of accommodation;
lack of home ownership.

Persons who joined the queue before 2005 have a priority right to a subsidy, and wheelchair users are given priority over other disabled people.

Citizens who have lived and worked in the Far North for over 15 years are entitled to subsidies. The amount of the benefit will be calculated based on the standards developed for the region in which it should be issued.

For residents of Moscow

For citizens living in Moscow, a transaction is allowed to purchase an apartment in a building under construction using a state subsidy, if the degree of its readiness for delivery is 70% or higher.

We invite you to familiarize yourself with the Land under an apartment building, Housing Code

Single mother

A subsidy allocated for a single mother for the purchase of housing can be issued if her living area is less than the established standards. Also, information about the child’s father should not be on either the birth certificate or the adoption certificate.

Conditions for issuing a subsidy for a single mother:

presence of official status as a single mother;
income level is below the regional subsistence level;
if the mother owns dilapidated or dilapidated housing;
if you don’t have your own home at all.

The subsidy for a single mother allocated for the purchase of an apartment does not exceed 40%.