“Young Family” program: conditions for obtaining housing for young families

Poselyagin and partners

And the first serious quarrels began. No family can do without quarrels, but in the first three years they can lead to family breakdown and divorce. Psychologists explain this fact by saying that character adjustments are taking place: the young wife begins to get annoyed by her husband’s habit of throwing socks everywhere and not closing the tube of toothpaste, and the husband wants coffee brought to him in bed, while the wife does not like to get up early. To these little things are added everyday problems: there is no one to take out the trash can, there is not enough money for new shoes (especially if both young people are students), and the conflict grows. Young families have the right to receive free consultation from a psychologist on family problems, which may help change the situation for the better.

List of documents for participation in the program

To obtain a certificate for the Young Family program, you should contact your local administration. To do this, you need to collect a package of the following documents:

Both parents write a statement in two copies. A sample form can be obtained from the administration. It can also be downloaded from the official website of the government agency.
Originals and copies of applicants' passports. If you have a child, you must also provide his birth certificate. If the minor has reached 14 years of age, then a copy of his passport will also be required.
Certificate of income of all family members. An important requirement for obtaining a certificate is having at least two years of work experience in your current place.
A document certifying the family’s need for improved housing conditions. Most often we are talking about an extract and the Unified State Register, but sometimes other certificates may be required (for example, if a change of place of residence is required due to the presence of a sick relative).
Marriage certificate.
A document confirming registration at the place of residence. It may be an extract from the house register or a certificate from the passport office. It is very important that the family has lived at the registration address for at least 11 years.

Thus, some categories of citizens can receive a certificate under the “Young Family” program. In practice, this is not as simple as it might seem at first glance. It is necessary not only to meet the criteria, but also to prove your need for improved housing conditions, which in some cases turns out to be difficult.

Concept - young family

the presence of a developed and approved regional program for providing housing for young families, including in municipalities;
the presence in the budget of the constituent entity of the Russian Federation for the current year and in the draft budget for the next year of financial resources for the implementation of the regional program;
difficult demographic situation in the constituent entity of the Russian Federation;
the possibility of attracting extra-budgetary funds for the construction (purchase) of housing for young families;
the possibility of reducing the cost of construction and (or) operating costs of housing for young families.

About the amount of subsidies

The final amount of subsidies is determined by two factors:

number of family members;
the estimated value of the property being purchased.

If we are talking about a family of two people, then housing with an area of 42 m2 is considered standard. If there is a child, the apartment should increase to 60 m2. After this, the resulting figure is multiplied by the cost per square meter in the region. As a result, the state issues a certificate covering 40% of the cost of the property. It is valid for 9 months and can be used for the following purposes:

purchase of housing (we are talking about real estate on the primary and secondary markets);
registration of a mortgage (making a down payment);
payment regarding a construction contract when conducting individual development;
repayment of debt on an existing housing loan issued no earlier than 2011.

Using funds for other purposes involves criminal penalties. In addition, by issuing money in the form of a Sberbank certificate, the state protects it from misuse. Real estate must be purchased at the place of permanent registration of program participants.

Until what age is a family considered young?

Age limit. At the time of participation in the program, spouses must be no more than 35 years old. This condition is also relevant for single-parent families, that is, when the child has only one parent.
The family must need improved living conditions. Simply put, she should not have her own living space that would satisfy the established requirements. Currently, the norm per person is 12 square meters. Also, the requirement will be met if the family lives in unsuitable conditions, a communal apartment, or a sick relative (necessarily blood) lives with them.
The family must have a stable income that will allow it to repay the loan. This is considered the most important aspect that the government checks first. It needs to make sure people can make their monthly payments. Therefore, you will need to provide certificates in the form of personal income tax-2, as well as information about additional sources of income (if any). The higher the spouses' salary, the higher the chances of getting housing on preferential terms.

Definition

The concept of a young family in Russia is defined at the federal and regional levels. In accordance with the current legislation of the Russian Federation, this term presupposes the following conditions:

the family must be complete;
a young family assumes that both spouses are under 30 years old;
husband and wife are officially married, that is, their marriage is registered in the registry office;
There is at least one child growing in the family.

The above requirements apply to wealthy families who are able to qualify for social benefits from the state. But there are also other conditions under which the status of a young family can be obtained:

minors who have officially registered their relationship;
single-parent families, that is, single mothers or fathers under 30 years of age living together with their children;
families of military personnel under 30 years of age;
if both spouses belong to a risk group, then they can also apply for a similar status.

Today, young families are one of the most vulnerable categories of the population. This problem has been discussed more than once in the government, but no significant changes have been made to the legislation.

For this reason, there are a number of regional programs that either expand the scope of this category or allow citizens in need to receive a larger number of various privileges.

Most often, the concept of a young family operating in the regions presupposes the following conditions:

The maximum age limit for spouses is increasing. To participate in the program, you must be no older than 35 years.
The family must officially receive the status of needy. In this case, we are talking about improving living conditions.
Parents must have a regular income that will allow them to purchase housing with benefits or pay a mortgage. And this aspect is the most important in this case, because the state must be sure that the family will be able to make payments on time. Therefore, candidates will have to provide personal income tax-2 certificates and information about all additional sources of income, including those that are not taxed. And the larger the amount, the more significantly the chance of receiving the appropriate benefit will increase.

Whether a family applies for improved living conditions is determined by a special commission. When considering an application, the decisive factor will not even be the presence of a child in the family, but the average income sufficient to make mortgage payments.

Other features of regional programs should be clarified at your place of residence, since each region has its own changes in legislation. They are capable of significantly expanding the scope of federal law. We are talking, in particular, about the state mortgage lending program, operating on special preferential terms. Within its framework, it is possible to improve living conditions for those categories of citizens who are most likely to benefit from it. In this way, the government encourages the creation of families and the birth of children.

Young Family Law 2021

The spiritual and moral guidelines of young people towards obtaining an education and a prestigious job have changed, and the age of marriage has advanced. The increase in the culture of relations between the sexes has also had an impact: personal happiness, satisfaction with family and intimate relationships are becoming the life priorities of young people. The focus on the emotional sphere of the individual, his feelings, moods, and aspirations increases.

This is interesting: How to Register an Apartment Located in Another Region

Age of members

The Young Family program is aimed at helping citizens purchase housing.
The proposal is federal. And to use it, you need to take into account many conditions. The number of family members has almost no effect on the status of a young family. A social unit can consist of two people or more members.

A family without children can be considered young. And a single parent with a minor child too. But in real life, the term being studied is applied mainly to social units in which there are children.

The age of a young family in Russia is also regulated. And it is important for every modern person to remember this.

The thing is that at the moment, according to the Federal program, the age of spouses should not be more than 35 years. Until the husband and wife cross this level, they will be considered a young cell of society.

Some cities have regional programs to support young families. Regional bonuses may describe a social unit as people under 30 years of age. This kind of situation is becoming less and less common in reality.

Is the marital experience of young spouses important?

Each region may set its own additional rules. For example, in some regions of the federation the required period of residence of program participants in the region is regulated. Therefore, before submitting an application, you must contact the administration of your region and study the rules that will apply in this particular case. For example, in Moscow, spouses without children must be married for at least one year. Also, at least one of the spouses must be registered in the capital for more than 10 years.

Registration and its influence

From all of the above it follows that becoming a young unit of society is not so difficult. This is considered an officially registered family in which the parents/spouses are under 35 years old. Usually it is assumed that the husband and wife have Russian citizenship. Foreigners will not be able to take part in the program of the same name.

It is worth paying attention to the fact that with state support for young families, the registration of its members plays a huge role. Ideally, all participants should be registered in the same place.

In addition, it is mandatory for members of a cell of the society to have registration in the region in which the subsidy will be issued. In some cities you will have to live for at least 5 years. Usually this means permanent registration, not temporary.

Family solvency and obstacles to subsidies

Another point that is important to pay attention to is the income of the social unit. They do not affect the status of the family in any way. However, under certain circumstances, a social unit may lose the right to participate in the state support program of the same name.

We are talking about a situation in which a family is insolvent on a mortgage. A low level of income does not allow a unit of society to become participants in an offer from the state called “Young Family”.

In other words, participants must have a permanent, stable income that allows them to obtain a mortgage and pay the loan. Otherwise, you can be considered a young family, but without participating in the relevant program.