Housing for a Russian family

Please note that according to Decree of the Government of the Russian Federation dated March 31, 2021 No. 393, the “Housing for Russian Family” program is closed as ineffective . The construction of economy-class housing will continue as part of the new priority project “Mortgage and Rental Housing.”

The State Iron and Steel Works program provides for the opportunity for citizens to purchase economy class housing , i.e. at a price that is less than the market price. Moreover, it also provides for preferential loans to these individuals for the implementation of this goal.

At the same time, the circle of entities that have the right to participate in this program is strictly defined by the current legislation of the Russian Federation and in order to become a participant in the Iron and Steel Works program , an interested person must not only fall under one of the specified categories, but also have a package of documents in hand when applying to authorized body.

What is economy class housing under the ZhRS program?

Many families in modern society are thinking about how they can buy housing for themselves, because often there is not enough money to purchase not only new, but also secondary housing. In this regard, the state is developing various targeted programs aimed at improving the living conditions of certain categories of citizens, among which are the following:

"Dwelling";
“Providing housing for young families”;
“Providing affordable and comfortable housing and utilities to citizens of the Russian Federation”;
“Housing for the Russian family”, etc.

The greatest interest among these programs is “Housing for the Russian Family” (ZhRS). It was approved by Decree of the Government of the Russian Federation No. 404 of 05/05/2014. But what is this program, what are its main directions?

Program conditions in 2021

The conditions of the iron ore program in accordance with the provisions established by Government Decree No. 404 include the following:

The volume of planned commissioning of the housing stock is at least 25 million m2 of total area of economy class housing, which must meet established requirements.
The main criterion for determining such housing is its cost , which should not exceed 35 thousand rubles or 80% of the market value per 1 m2.
A certain subject composition that can participate in the implementation of the program.
The construction of this housing can only be carried out in those regions that are also participants in the program and meet the established requirements.
The exercise of the right to participate in the program by an interested person is carried out by him once in relation to one residential premises .

Thus, we can conclude that the main condition of this program is to increase the country’s housing stock, which will meet the criteria of accessibility for citizens in need of improved housing conditions.

Duration of the program

The iron ore work program was developed within the framework of the state program “Providing comfortable and affordable housing and utility services to citizens of the Russian Federation”, while the period for its implementation is somewhat different from the latter.

Paragraph 1 of the “Basic conditions and measures for the implementation of the Housing for the Russian Family program”, approved by Government Resolution No. 404, establishes that the ZhOR program is valid for the period 2014 - 2017 . It is important to note that the construction projects under construction must be handed over by the developers before 07/01/2017 .

The government of Bashkortostan has begun implementing the project “Housing for the Russian Family”

The government of Bashkortostan has begun implementing the “Housing for the Russian Family” project within the framework of the federal program “Providing affordable and comfortable housing and utility services to citizens of the Russian Federation,” designed until 2021. The corresponding resolution was published on the official Internet portal of legal information.

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According to the document, a selection of land plots owned by the state and municipalities, as well as leased from developers, will be carried out in the near future. In the future, they will be transferred for the integrated development and construction of economy-class housing.

How to become a participant in the program?

In connection with the consideration of the main directions of the Iron and Steel Works program, a logical question arises about how to become a participant. In order to answer this question, it is necessary to refer to the provisions of the Government of the Russian Federation No. 404, as well as Order of the Ministry of Construction of Russia dated June 10, 2014 No. 286/pr “On approval of methodological recommendations for establishing categories of citizens entitled to purchase economy class housing...” .

First of all, it is necessary to take into account that not every person who wishes can be a participant in the program. The list of possible participants includes:

Persons provided with living quarters, but the size of the total area for each family member should not exceed 18 m2 (or 32 m2 for a person living alone). In addition, for these persons there is also a criterion for the level of income of all family members and the value of existing property.
Persons living in unsuitable, unsafe premises that are subject to demolition or reconstruction for this purpose. In this case, this fact must be established in the manner established by the housing legislation of the Russian Federation by the authorized body.
Families with two or more minor children. For this category of persons, an additional condition has been established - receipt of maternity capital (Federal Law of December 29, 2006 No. 256-FZ “On additional measures of state support for families with children”) and its allocation for the purchase or construction of economy-class housing.
Persons with three or more minor children.
Combat veterans.
People who are disabled and families with disabled children.
Other categories that are established at the regional level.

Thus, the target category of subjects is people in need of improved housing conditions and belonging to one of the above categories.

Moreover, these persons may have a preferential right to purchase economy class housing.

To become a participant in the above-mentioned program, the interested person needs to submit a corresponding application and the necessary package of documents to the local government authority at the place of construction of this housing stock. After checking the subjects for compliance with the requirements of the current legislation of the Russian Federation, they are included in the list for the municipal entity, and then in the register for the subject of the Russian Federation, about which a corresponding decision is made.

The republic will expand the federal program “Housing for the Russian Family”

According to the head of Bashkortostan, Rustem Khamitov, “there are difficulties in the construction market, but overall the situation is still quite manageable.” According to the head of the region, the authorities of the Republic of Belarus are “obliged to hold on to the situation with grit, because once it collapses, the construction complex takes a very long time to rise.”

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“You can’t bring down the construction market, housing construction,” he said on several television companies, answering questions from viewers. “We employ tens of thousands of people in construction. These are jobs. Of course, we will try to do everything to support housing construction.

Required documents for participation

For program participants, a mandatory condition is to provide the authorized body with the required list of documents , among which are the following:

application in the prescribed form;
consent to the processing of personal data;
identification document (passport);
documents confirming the applicant’s relationship to a particular category of persons entitled to participate in the program;
documents confirming family members living together with the applicant (marriage certificate, birth certificate of children, their passports, etc.).

An applicant can only apply to one local government body to be included in the appropriate list.

Example

Ivanov lives in the Perm Territory; in the same region, economy-class housing is being built in several municipalities according to the ZhRS program. The specified citizen falls under one of the categories who has the right to participate in this program, as a result of which he simultaneously submits two applications to the local government authorities of the village of Gorny and Kultaevsky rural settlement with the provision of all necessary documents. At the same time, he is included in the appropriate lists, and the specified data is transferred directly to the regional register, where it is clarified that he submitted applications in two different settlements at the same time. In this regard, Ivanov is sent a notice that he needs to submit an application to be removed from the list of those in need in one of the local government bodies.

When considering this issue, it is necessary to pay attention to the possibility of the authorized body refusing to include a list of an applicant for participation in the program. The grounds for refusal are:

Failure to submit or incomplete submission of the established package of documents.
Providing false information in the application and attached documents.
The applicant does not meet the category of persons eligible to participate in the program.
When the person is registered accordingly by another local government body.

The list of grounds is exhaustive and is not subject to broad interpretation. At the same time, the authorized body is obliged to notify the applicant in writing of its decision and attach a corresponding extract from it within 5 days from the date of consideration of the application itself.

Program “Housing for Russian families” in 2019

Application in the approved form;
Copies of the spouses’ passports and their marriage certificate;
Copies of children's birth documents;
Copies of spouses’ work records;
Certificates from the house management about the number of family members registered within the living space and personal account;
Documents for the housing in which the family lives (copy of the owner’s certificate, lease agreement, etc.);
Salary certificates from the place of employment (2-NDFL);
Certificate of disability (for people with disabilities);
Document on participation in NIS for military personnel and their military ID.

Copies of the work record book must be certified by the human resources department of the current employer. All other copies (passports, certificates, etc.) are in the notary’s office.

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In Russia, an extremely small number of young people begin family life in their own apartment. Most of them are forced to share shelter with their parents or rent property. Taking into account the average level of salaries, it can be argued that standard mortgage programs appear to be very burdensome for families.

Mortgage AHML under the ZhRS program

Another interesting point in the implementation of the iron ore program is mortgage lending . It is carried out by the Agency for Housing Mortgage Lending (AHML). This organization is responsible for preferential mortgage lending to participants, as well as the purchase of constructed economy-class housing.

Mortgage lending for specified purposes or social mortgage provides for :

low interest rates and, as a consequence, a small amount of overpayment on the loan;
affordable down payment amount;
the possibility of using maternity capital;
buying cheaper housing.

Obtaining a social mortgage for the purchase of economy-class housing is possible only after the relevant citizen is included in the list of those in need of such housing.

Housing program “Russian Family” for 2019

It should also be emphasized that the Russian Family program in 2019 can be used by residents of Russia even in combination with other forms of state support. For example, buying an apartment with a mortgage or maternity capital. There are two more important requirements for program participants. First of all, the couple must be officially married. Secondly, the age of both spouses must be from 25 to 40 years.

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Concluding a housing contract is the next step. And there are two points here. If a young family has enough money to purchase an apartment under the state program, then there is no problem. If there is not enough money, you will have to look for a lender. But the family must still prove to the lender that they are participants in the housing program. You just need to show the necessary extract that was issued by the state.

Participating regions and major cities

Construction of economy class housing is carried out only in strictly designated areas, on land plots that have passed a strict selection. This procedure is carried out only in those regions that are also participants in the iron ore program. At the same time, a complete list of these regions can be seen in Order of the Ministry of Construction of Russia No. 258/pr dated May 27, 2014 “On the list of constituent entities of the Russian Federation on whose territory the program “Housing for the Russian Family” is being implemented.

The highest official is responsible for the implementation

The executive body must necessarily adopt the relevant provisions and monitor the local government in this area. The same bodies provide land plots for housing construction that are in state or municipal ownership.