Subsidy 30 percent for the purchase of housing. Rules for the allocation of housing subsidies to citizens of Russia for the improvement of housing conditions
Acquisition of an apartment or house is an important and problematic process due to its high cost. Our state has a law that allows some categories of citizens to receive free material support from the state to make this purchase.
Who the state should help, what documents will be required for this, which state institution to apply to receive a housing subsidy and what legislative documents are responsible for this procedure - you will learn about this by reading our review.
A subsidy for the purchase of a house is a gratuitous material assistance from. It cannot be cashed out, it has a certain “validity period” (6 calendar months), and it can be spent exclusively on improving housing conditions, which is controlled by the relevant authorities.
Since the amount allocated by the state will not be able to fully cover the costs of, you must either already have the missing amount on hand, or take it (the certificate will serve as the first installment), or prepare the property you already own for sale.
The issue of appointment and issuance of a certificate for a subsidy is determined by law.
It should be noted that the Housing Code stipulates only the very fact of the possibility of obtaining this kind of assistance. The remaining moments of obtaining a certificate are indicated separately in the relevant legislative documents for each category of beneficiaries.
For example, you can learn about the procedure for obtaining subsidies for civil servants from the Federal Law “On the State Civil Service of the Russian Federation”, and for young families from the Government Decree “On Some Issues of Allocating Subsidies to Young Families for the Acquisition of Housing”.
Here are some legal acts that regulate these issues:
- Federal Law "On the status of military personnel";
- Decree of the President of the Russian Federation "On Support for Large Families";
- Decree of the President of the Russian Federation N 600 "On measures to provide citizens of the Russian Federation with affordable housing and improve the quality of public services."
This is not a complete list, but the main points of obtaining certificates are covered in these documents.
Who can get a housing subsidy from the state
Since assistance is provided by means of the local budget, each region has the right to independently decide which categories of the population, in addition to those prescribed in the Federal Laws, can be given a subsidy.
In accordance with the legislation of the Russian Federation, without payments can receive:
- Families with many children - that is, families in which 3 or more children who have not reached the age of 18, or have not reached the age of 23, but study at state universities or undergo military service by conscription;
- Young families - families in which the age of the spouses has not reached 30 years (see);
- People in public service;
- Military personnel and persons in reserve;
- Professionals who work and live in rural areas;
- Orphans who find themselves without the help of relatives;
- Low-income families who are in line for space;
- Participants, veterans, and families of those who died during the Second World War;
- People leaving the Far North and having at least 15 years of experience in the field.
- Disabled people.
Not all representatives of these categories of the population can receive a certificate.
After considering each specific situation, a decision is made whether a certificate will be issued and for what amount.
For example, a young family may not receive financial assistance if they already have a large enough apartment. The same can be said about the military subsidy and housing subsidy for disabled veterans, etc.
A citizen cannot count on state support if he deliberately tried to make his living conditions worse. For example, to other people, or accomplished or a house of a smaller area. All these moments are carefully monitored and identified.
For all changes in the composition of the family, communal and other conditions that have occurred with a citizen from the moment of his registration, he must immediately report to the appropriate commission.
For example, if a civil servant was fired, he can no longer apply for a certificate.
Registration and obtaining a certificate
In order for the state to issue assistance, a citizen should prepare all the documents in advance:
- applicant's passport;
- marriage certificate;
- photocopy of personal account;
- documents for other people who live in the same apartment with the applicant;
- birth certificates of children;
- work book, or other other document confirming the applicant's relation to one of the privileged groups of the population;
- documents confirming the right of ownership (, donation, etc.).
If a citizen has several households, then documents should be prepared for everything.
After registration, calculation and agreement on the amount of material assistance, a certificate for the appropriate amount will be issued.
In one of the banks participating in the support program, a person needs to independently open an IBCS. The allocated amount will be credited to it. Subsequently, the funds can be disposed of for the purpose of acquiring new real estate or expanding an existing one ().
An important nuance - this amount cannot be spent for other purposes - and it must be spent within 6 calendar months.
If the funds are not spent, then the money will simply “burn out”. And you will not be able to return them, because. Participation in the assistance program is possible only once.
Housing subsidy calculation
The calculation of the subsidy for housing is carried out individually for each case, it is influenced by a number of factors - these are already existing conditions, and the financial situation of people, and the number of people in the family and in the region.
Also, the amount of gratuitous assistance depends on which group of beneficiaries the applicant belongs to. For example, subsidies for housing for young families imply that a family of two must have an apartment of at least 42m2. If there are more people in the family, then the calculation of housing payments is as follows: the number of people in the family is multiplied by 18 m2.
Usually the certificate is 30% - 40% of the cost of the apartment. But, for example, for specialists working in the village, the level of assistance can reach 70%.
For some categories of citizens, it is difficult not only to buy an apartment, but also to pay for basic utilities. For them, the state provides an opportunity to receive subsidies to pay for apartments or houses and utilities.
Such assistance can be provided by the local budget to those people who have citizenship of the Russian Federation, own real estate and are registered in it. An important nuance is the absence of debts for utilities.
If all these conditions are met, then a citizen can count on receiving gratuitous material support. Assistance can be both one-time and regular - the procedure for providing is determined individually.
The money is allocated not for each family member, but for all at once and is intended strictly for paying utility bills.
Many of our readers know that you can buy real estate not only with your own money - today in our country there are special subsidy projects and a number of government programs. Attracting funds provided by the state, you can significantly improve your living conditions.
Subsidies and government programs for the purchase of housing- the topic of our today's material. Who can count on subsidies when buying an apartment? What programs are currently in place to help young families, military personnel and low-income categories? We will discuss this in detail below.
First, let's define the concepts of "subsidy" and "state program".
Subsidies
Under the "subsidy" is understood a certain amount of money that the state allocates without the need for a return to improve housing conditions. At the same time, only certain categories of citizens have the right to receive a subsidy. The possibility of obtaining a subsidy, as well as its size, directly depends on compliance with certain conditions. The housing subsidy is issued in accordance with the priority only to citizens classified in two categories: those in need of a qualitative improvement in housing conditions or those requiring state assistance in purchasing their own housing. It must be understood that a housing subsidy can be used to purchase both an apartment in a new building and real estate on the secondary market.
State programs
State programs differ from subsidies primarily in that they have restrictions on the duration of their validity, while they can have a priority or apply to all citizens without any priority. If a housing subsidy is exclusively material gratuitous assistance, then under state housing programs, state support can be expressed not only in monetary terms, but, for example, in the form of providing certain preferential terms when obtaining a housing loan.
We offer you to get acquainted with the most common cash programs for the purchase of real estate.
Maternal capital
One of the most significant forms of support for families with children, aimed at stimulating an increase in the birth rate, is maternity capital. When the second and next child in the family appears (it doesn’t matter if he is born or adopted), the family receives the right to maternity capital. It should be noted that the state supports only responsible motherhood, i. state support measures are not provided to those mothers who are deprived of parental rights. One of the main conditions for obtaining maternity capital is the presence of Russian citizenship: the mother and children must be citizens of the Russian Federation.
Another condition for receiving state assistance is the appearance of a child in a certain time period - starting from 01/01/2007.
The amount of money issued as maternity capital has been constantly increasing since its introduction into practice. If in 2007 (the beginning of the program) the maternity capital was 250 thousand rubles, then in the current 2018 year its size increased to 453,026 rubles, due to inflation indicators.
The state very strictly determines the possible purposes for which the funds of the mother's certificate can be directed: housing, education, the mother's pension savings, and this money can also be used today for the treatment and rehabilitation of a disabled child. In the vast majority of cases, as practice shows, a family's maternity capital certificate is used when purchasing housing or improving living conditions - for buying an apartment, building a private house, as a down payment for equity participation in building a house or for paying a mortgage.
Who receives maternity capital today? The following are entitled to such state support:
- women who have given birth (adopted) a second child since 01/01/2007;
- women who have given birth (adopted) a third child or subsequent children since 01/01/2007, if they have not previously used the right to receive maternity capital;
- men who are the sole adopters of the second, third child or subsequent children, if the court decision on adoption has entered into force since 01.01.2007.
It is possible to receive maternity capital only ONCE, while payments are exempt from income tax.
State program "Young family"
"Young Family" is a program of real financial support for young families to acquire housing. The funds allocated under this state program can be used in different ways: spend them on buying an apartment, spend on building your own house, or make them as a down payment on a loan or housing cooperative.
Who has the right to count on subsidies allocated under the Young Family program? Today, families that meet the following conditions can take advantage of the program:
- the age of the spouses or one of them (with an incomplete family) at the time of receiving assistance cannot be more than 35 years;
- citizenship of the Russian Federation plus official registration of relations for a period of at least 12 months;
- the family must have the status of needing better housing conditions;
- the couple needs to show a regular income sufficient to pay monthly loan payments, and also have accumulated funds in order to be able to pay for the part of the cost of the apartment that is not covered by the subsidy.
- the absence of spouses in the property of other housing.
It is important to understand that in different regions of Russia the conditions for participation in the program may differ significantly. At the same time, the advantage is that not only couples with children, but also childless families can count on government assistance under this program.
military mortgage
For military personnel of the Armed Forces of the Russian Federation, there is a specially designed target program that allows you to get a mortgage loan with preferential terms. The mechanism of action of the program provides for the use of a savings-mortgage system, which allows employees under the contract to become owners of their housing after a certain period of service.
Four categories of military can take advantage of military mortgages:
First- officers of the Armed Forces who signed their first contract no earlier than 01.01.2005.
Second- midshipmen and warrant officers, whose duration of service from 01.01.2005 under the contract is at least 3 years.
Third- soldiers, sailors, foremen and sergeants, whose 2nd contract was concluded not earlier than 01/01/2005.
Fourth– graduates of universities after 01.01.2005, graduates who signed their first contract before 01.01. 2005
How does this program work? Funds will be transferred to the participant's personal savings account on a monthly basis. You can later spend this accumulated amount on the first installment when buying an apartment - after the three-year period of participation in the program.
To take advantage of the opportunity of the Military Mortgage program, we recommend that you get a detailed detailed consultation from a specialist.
So, we figured out what are the most common subsidies and government programs for the purchase of housing. As you can see, today there is an opportunity, with the help of the state, to both improve your living conditions and become the owner of a new home with maximum benefit. We hope this information will be useful to you and will allow you to find the most suitable option for yourself.
. In the application, you need to choose the method (form) of providing housing - the purchase of housing using a subsidy from the city budget. Everyone must sign it. Applicants are everyone listed on your record.">Applicants And Family members are the spouses and minor children of all applicants.">their family members.You can find out your place in the queue by sending a request through one-stop service of the Department of City Property of Moscow. You will receive a written response within 30 days.
A subsidy is government assistance to the population in financial or in-kind form. The amount of subsidies is fixed in the process of forming the state budget for the year.
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In 2019, the population is provided with assistance in paying housing and communal payments, or the government provides funds for the purchase of housing or the construction of a private house.
The allocated finances are transferred exclusively in non-cash form to the current account, so they can be spent only for the specified purposes. Funds for the purchase of an apartment are transferred immediately or compensated to citizens after the purchase.
The legislative framework
The provision of subsidies to the population is regulated by the Housing Code of the Russian Federation, Decrees of the Russian Federation No. 761 and No. 444, as well as local decrees at the regional level.
In accordance with this regulatory framework, the calculation is carried out on the basis of standards for the cost of utilities and the percentage of payments for them from the family budget.
The Housing Code of the Russian Federation indicates that the standards are fixed by local authorities and depend on the number of citizens registered in housing. The code also regulates which categories of citizens can apply for registration, what assistance options are possible and where to apply.
In accordance with Government Decree No. 541, a percentage ratio of 22% is regulated as a threshold for the amount from the family budget that must be spent on paying utility bills.
Decree No. 62 states that the family has the right to receive a subsidy for the construction of a residential building in the form of funds from the state budget or compensation for construction costs.
Who can apply for
In each region, the percentage of payment is regulated by local authorities and the percentage limit can be lowered (for example, in Moscow this year the figure is 10%).
Let's figure out who is entitled to a subsidy for an apartment in Moscow in 2019:
- young families;
- families with three or more young children;
- citizens who live in uninhabitable conditions and require improvement.
The following categories may apply for a subsidy for utility bills:
- citizens who own housing;
- persons who are members of housing cooperatives;
- renting housing on the basis of a lease agreement;
- persons living in apartments owned by the municipality;
- retired citizens, persons with a disability group, military personnel;
- families that have lost a breadwinner;
- low-income citizens with a confirmed needy status.
Requirements for the applicant
Only citizens with Russian citizenship who permanently reside on the territory of the Russian Federation are eligible to receive state assistance. Foreign citizens cannot apply for subsidies.
Requirements for citizens who apply for registration:
- Russian citizenship;
- Citizens should not participate in or receive government assistance for other housing improvement programs if they apply for a housing subsidy;
- the applicant must have a permanent residence in a particular region, since assistance is provided at the place of residence.
The last point is related to the fact that although state aid is provided to citizens throughout the territory of the Russian Federation, subsidy programs are directly funded from regional budgets.
To pay utility bills
Assistance for utility bills has some peculiarities - the amount of the subsidy depends on the total income of the family and the percentage of income that is spent on paying utility bills.
To apply for assistance, you must contact the institution of social protection of the population or through the State Services portal.
The table shows the maximum values at which a family is entitled to apply for a subsidy for payment of housing and communal services:
According to current regulations, the cost of paying for a communal apartment in Moscow for a family should not exceed 10% of the total family income.
Assistance for large families to pay for housing and communal services in Moscow in 2019 is fixed at the level of 50% within the framework of consumption standards. In addition, such families have the right to apply for a benefit by presenting a certificate of a large family status along with a standard package of documentation.
Photo: maximum family income for subsidies
To buy a home
In the process of determining the amount of the subsidy and making a decision on the application for the appointment of state assistance for the purchase of housing, the fact of the presence of another property or mortgaged housing is taken into account.
This is the only way to achieve fair subsidies for those families that are in dire need of housing.
Funds are also allocated from the state budget for the construction of a private house. With the help of such a subsidy, you can build a small house with all communications and amenities for the whole family to live.
The area of the house is calculated for each member of the family.
The amount for the purchase of housing is determined by the area standards, which are provided depending on the number of citizens in the family.
A lone citizen is supposed to: 36 sq. m *price 1 sq. m at market prices for real estate * 60% = amount of assistance
The table shows data on the number of people in the family and the percentage of assistance provided:
A subsidy for the construction of a residential building may not exceed the amount spent on materials and work.
Depending on the possibilities of regional budgets, funds are provided in a non-cash form to the applicant's current account before the start of construction work or after their completion in the form of compensation based on checks and other documentary evidence of expenses.
Registration procedure
To apply for a subsidy for utility bills or the purchase of housing, it is necessary to collect a package of documentation.
Each case is treated on a case-by-case basis, so some families should be prepared to be asked to provide additional documentation to verify family status or income.
So, citizens of retirement age, in order to apply for a subsidy for housing and communal services, must present a certificate of the amount of pension payments from the pension fund. Parents with many children must present an official certificate confirming that they have been granted the status of a large family.
We will provide you with step-by-step instructions for applying for a subsidy:
- contact the local authority or administration to clarify the current procedure for assigning a subsidy and the rules for applying;
- fill out a standard application form and provide up-to-date personal information, data on place of residence and income;
- prepare a package of documentation;
- submit an application with the attached list of documents in person, through an authorized representative or electronically on the State Services portal;
- Responsible employees consider the application for 10 days. In the absence of any papers and the need to provide them, the consideration is extended for 30 days. During this period, the applicant must convey the papers, otherwise the grant will be denied;
- in case of a positive decision, the provision of finance is possible through a bank or by transfer to the current account indicated in the application.
List of required documents
The mandatory list of papers that must be submitted to apply for a subsidy for housing and communal services includes:
- standard application for assistance;
- passports of adult family members and birth certificates of children;
- papers confirming the right to housing;
- a copy of the work book for officially employed citizens or the original for persons who do not work officially;
- receipts of payments made for utilities for the last month;
- an extract on the composition of the family;
- certificates of income received by each family member for the last 6 months;
- applicant's account.