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The federal program “Young Family” has been successfully implemented in Samara, the Samara region and in the city of Tolyatti from the very beginning of its creation. This region has accumulated quite a lot of experience in implementing the “Housing” project from 2002 to 2009, which operated before that.

The basis of these government initiatives is the need to provide material support to Russian youth at the stage of their formation in our difficult times. Therefore, one of the most important issues that the state helps solve is the acquisition of your first home.

One of the main ways of care is the allocation of social benefits , which they can use to purchase or build their own home.
In addition, an important mechanism is the provision of compensation payments to commercial banks aimed at repaying the difference in interest on preferential mortgage lending and conventional banking products.
Thanks to this, citizens have the opportunity to take out a long-term loan at low interest rates. Such regulation not only revitalizes the banking sector, but also stimulates the construction industry.
Also, the government sets a standard cost for the construction of a square meter of housing in a specific region, from which not only the price of affordable housing is calculated, but also the amount of assistance that can be provided from the state budget.

From year to year, the amount of funding for this initiative is growing, and young people have a real opportunity to solve the problem of purchasing housing.

Regional program in Samara

The regional program “Young Family” in Samara and the Samara region is financed from the regional budget, as well as from extra-budgetary sources.

, more than 11,000 families applied for assistance . And although funding is constantly increasing, currently the bulk of regional benefits are of the minimum allowable size.

The program, started in 2006, was extended in 2009 until 2015. Under its terms, young people, in addition to funds from the state budget, will be able to receive additional payments, and during this period the local budget is going to help more than 5,400 families.

Young family program in Samara and the Samara region in 2021

Currently, the “Young Family” program operates within the framework of the subprogram “Affordable housing for young families” until 2021” of the state program of the Samara region “Development of housing construction in the Samara region” until 2021”, approved by Decree of the Government of the Samara Region dated November 27, 2013 N 684 .

The procedure for the formation by the local government of a list of young families - participants in the subprogram “Affordable housing for young families” until 2021 of the state program of the Samara region “Development of housing construction in the Samara region” until 2020, who have expressed a desire to receive social benefits in the planned year is approved by the Order of the Ministry of Construction of the Samara Region region dated 08/09/2013 N 184-p “On measures to implement the subprogram “Affordable housing for young families” until 2021 of the state program of the Samara region “Development of housing construction in the Samara region” until 2021.”

May 11, 2021 klasterlaw 42

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Amount of subsidy in the region

According to the text of the relevant resolution of the government of the Samara region, the amount of the subsidy provided from the local budget is equal to only 5% of the cost of the purchased housing . However, for employees of municipal institutions, the conditions of the “Young Family” program in Samara provide that they will purchase affordable housing taking into account a subsidy, the amount of which ranges from 5% to 25% of its cost.

The amount of assistance provided to municipal employees from the local budget depends on their length of service in these institutions or enterprises:

Work experience at a municipal enterprise (institution), years	Amount of subsidy from the local budget, % of the cost of housing
0	5
1	7
2	9
3	11
4	13
5	15
6	17
7	19
8	21
9	23
10 or more	25

To calculate the cost of housing, it will be necessary to apply the indicator of the standard cost of housing in the region, which is now equal to 31,671 rubles . To calculate the size of the regional subsidy, it is enough to take the area of the purchased property and multiply it by the indicated indicator, and then allocate the share that corresponds to the number of years devoted to municipal service.

Just like federal payments, local assistance is allocated only for the purchase of affordable housing , which does not exceed the area of security standards established by the state. Based on the same standards, the maximum amount of subsidies that can be paid is calculated.

That is, the purchased apartment or house should not exceed the following parameters for living space for a family:

For two people – 42 m2;
Of three or more people - 18 m2 for each person.

Queue to participate

In order to take part in this project, young families must meet the following requirements:

the age of the husband and wife, as well as the parent in a single-parent family, must be less than 35 years old at the time of receiving assistance;
mandatory presence in the queue for those in need of improved living conditions;
none of the members had previously received such assistance under federal or local programs;
being in municipal service (to receive increased payments).

State support for young families in purchasing housing

application in the prescribed form in 2 copies;
copies of identification documents of each family member;
copies of the marriage certificate;
a document confirming recognition of the family as needy;
a document confirming the recognition of a young family as having income;
copies of the insurance certificate of compulsory pension insurance.

Decree of the Government of the Russian Federation dated December 30, 2017 No. 1710 “On approval of the state program of the Russian Federation “Providing affordable and comfortable housing and utilities to citizens of the Russian Federation”;
Decree of the Government of the Russian Federation dated December 17, 2010 No. 1050 “On the implementation of certain measures of the state program of the Russian Federation “Providing affordable and comfortable housing and utilities to citizens of the Russian Federation” (hereinafter referred to as the Rules).

identity cards of all family members (for adults - these are passports, for children under the age of majority - documents confirming birth);
document on entering into a marriage union;
a certificate indicating the living space with a description of its characteristics;
certificate of family composition;
financial and personal account;
if the period of registration in the existing living space is less than five years, then they should provide certificates from the previous residential address;
documents confirming the right to existing housing.

the age of the spouses should not be higher than 35 years;
their relationship is officially registered;
spouses live together;
the family has the status of being in need of improved housing conditions (that is, it is specially registered with local authorities);
none of the members had previously received similar assistance;
the spouses have official income to pay the mortgage loan or accumulated capital to pay the remaining amount for housing;
at least one of them has Russian citizenship;
officials in municipal service can count on increased payments.

After a young family documents its need for square meters and its income, it is put in line to receive payments from the state. When their turn comes, the happy spouses receive a special certificate. Its validity period is 7 months. During this time, you need to find and purchase an apartment.

They take into account housing owned or used by family members (for example, under a social tenancy agreement). Living space is determined by registration: if the husband is registered in one place and the wife in another (for example, with her parents), then the existing meters will be divided among everyone - including grandparents.

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According to recent legislative changes, parents have the right to apply for benefits for a child under three years of age only if the family is recognized as needy. The payment will be transferred monthly to a family with an income not exceeding two subsistence levels in the region per person. The payment amount is one subsistence minimum for children.

Set of documents

A family that is already registered as an apartment must provide the following set of documents in order to get in line for a subsidy:

Copies of passports of all adults. Birth certificates for all minors;
A copy of the marriage certificate;
Certificate from the place of residence, indicating the living space and characteristics of the premises;
A certificate from the municipality's housing department confirming that you are on the waiting list;
Income certificates for all adults;
Documents on which a loan was issued, a contract for the purchase of residential real estate, or acts of acceptance and delivery of construction work between the contractor and the construction customer;
Applicant's bank details;
Consent of all adults to the processing of their personal data.

Submission of documents

Documents must be submitted between January 1 and July 31 of the current year. At the end of this stage, based on all positively reviewed applications, the priority for receiving subsidies next year is formed. Each application must be reviewed by specialists within 10 days, and after a maximum of 5 days the decision must be communicated to the applicant.

From August to September, housing departments form a final queue , after which people are notified of their number on it. After this stage is completed, the budget planning process begins. The actual payment of funds begins in January of the following year .

During this stage, the money is transferred to the recipient’s current accounts, or directly to a banking institution, from whose accounts they will then be debited to repay the housing loan, as well as the first installment on it, or the end of the real estate purchase transaction.

Conditions of the Young Family program

Conditions may vary. The program is federal, so there are general requirements for everyone. At the same time, the administration of the locality where the family is registered can change or supplement them. To make sure that you meet the requirements, it is safer to contact the administration of your city and find out everything there. There is usually a department that is responsible for housing issues: this could be a housing policy committee or a property department. The phone number can be found on the administration website.

Age is checked twice: when applying for participation in the program and when the list for distribution of money is compiled. Two to three years may pass between these stages. If a family submitted an application when the spouses were 33 years old, and distribution began when they turned 36, then the family is excluded from the program - it will no longer receive a subsidy.

“I have three children, the age difference between my daughters is 20 years. And therefore, when my wife gave birth to a third child, my family, from the point of view of legislation, was not large, because my eldest daughter was already 18 years old at that time. That is, despite the fact that the wife gave birth to a third child, the state no longer provided any benefits for this, which are available to families with three or more children, says Mikhail Matveev. — In my opinion, the age criterion could be replaced by a criterion related to childbearing: if a young family has children, then it has the right to participate in programs before the child reaches, for example, adulthood. I think this will be more correct. Because currently there is a tendency to increase the age of marriage: a person can start a family when he is 35 years old, and become a parent at 36 or 37. Why, in this case, should people not have social support from the state?”

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According to the authors of the initiative, another problem is the age limit. If at the time of compilation of the lists one of the parents turns 36 years old, the family loses the right to state benefits for housing, even though people could stand in line for about 5-6 years.

The third stage is inclusion in the lists for financing. This document primarily includes beneficiaries - large or single-parent families. Spouses will be notified that they are on the list because they will need to submit an application for a certificate of participation in the program. If such a paper is issued, now it will be possible to expect a subsidy soon.

Secondly, you need to submit all the papers and wait for verification to see if all the requirements for participation have been met. If the document check does not reveal any errors or inconsistencies, the family will be included in the program. However, this does not mean that the money will be paid soon. The process from start to finish can take a long time.

450,000 rubles to repay the mortgage upon the birth of a third child or subsequent children in the period from January 1, 2019 to December 31, 2022 are provided to large families who are borrowers on a housing mortgage loan, based on the provisions of Federal Law dated July 3, 2019 No. 157- Federal Law “On measures of state support for families with children, regarding the repayment of obligations on mortgage housing loans (loans) and on amendments to Article 13-2 of the Federal Law “On Civil Status Acts” on an application basis.

Preferential mortgage lending to rural residents is subsidized: the difference between the bank's market rate and the preferential rate is compensated from the federal budget. At the same time, regions can allocate additional funds to subsidize loans for villagers. Thus, with a maximum rate of 3% per annum, subject to regional co-financing, it can be reduced to 0.1%.

Banks

In order for Banks of the Samara region to work under the terms of the project, they must receive accreditation from the regional government. At the same time, their reliability indicators must be confirmed by the Central Bank of Russia, and the package of mortgage offers must contain products with minimum interest rates. This selection occurs in order to:

To guarantee mortgage loans that are as safe as possible for the population.
Minimize the costs of the regional budget while compensating for the difference in market rates on loans and rates on preferential mortgages in Samara under the “Young Family” program.