“Young Family” program – in Irkutsk in 2021

It is very important for young families to have their own spacious and comfortable home, where new parents and their children will feel as comfortable as possible. Moreover, it’s not only about the apartment itself, but also about the amenities that come with it: a good area, convenient location of a kindergarten, school, clinic, proximity to relatives’ houses and much more. However, not everyone inherits an apartment, so a mortgage becomes the best option in this case. In addition, in Russia in 2021, young families can get a very profitable mortgage thanks to special government programs. Let’s get acquainted with all the rules and nuances, and at the end we’ll ask a few questions to the lawyer.

The meaning of the state program

The program is valid until 2025 in all Russian regions. To take advantage of the benefit, the family must meet the parameters, also be recognized as in need of improved living conditions, and not be on the list of low-income people.

Each region has its own limits on the minimum size of living space for each registered person. If the household has a smaller area, the family has the right to apply to the administration in Irkutsk for registration. After this, you can apply for participation in the Young Family housing program.

The program has a federal level, establishing the same conditions for all regions, but in some regions additional requirements are introduced that take into account regional characteristics.

The procedure for transferring residential premises to non-residential premises - in Irkutsk in 2021

Preparing documents

To approve a mortgage under the program for young families, you need to collect the necessary package of documents. We recommend contacting an experienced lawyer who will review your situation and help you determine what is right for you.

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So, to get a mortgage approved you will need:

• Marriage certificate; • a certificate from the Unified State Register of Real Estate, which confirms the registration of real estate; • Bank details; • child's birth certificate.

If a mortgage is issued without proof of income and employment, you must provide:

• completed questionnaire of the future borrower; • passport with specified registration; • another document that can confirm your identity. This could be a foreign passport, SNILS or driver's license.

If the borrower can confirm his income and employment, then in this case the following is necessary:

• a certified copy of the work record book; • certificate of availability of a bank account, if any; • or a certificate from the pension fund.

After which the bank will accept the application for consideration. This may take from several hours to several days, so be patient. If the mortgage application is approved, the bank must also provide documents for the property being purchased and a document confirming the down payment.

Who is eligible to participate in the program

According to regulatory documents, a young family is considered to be spouses under 35 years of age who have registered a legal marriage. At the same time, you don’t have to have common children to participate; this fact will only affect the amount of financial assistance.

Due to the fact that the queue can take several years to move forward (the speed is affected by the amount of allocated funds), participants’ compliance with the conditions of participation is checked twice - immediately upon registration and before processing the compensation payment for the purchase of housing.

Step-by-step instructions on how to check your family's queue

Citizens often choose the Internet as the most optimal method for determining the queue for housing. For this purpose, it is necessary to go to the information resource of the State Services or directly to the administration of the locality.

Registration in the service is required to receive information.

To obtain information, you must have the following information on hand:

• case number,
• date of registration,
• region and district.

Don’t forget to prepare information about joining the program.
Let’s consider a specific procedure for checking the queue using the example of the city of Moscow, namely the website www.mos.ru (Official website of the Mayor of Moscow).

When you go to the main page of the mos.ru website, you will see the following picture, then you need to click on the list icon in the upper left corner:

From the drop-down list in the “Authority” section, select “Authorities”, as shown in the image:

By clicking on the link “Authorities”, you need to slightly scroll the page to the section “Economic policy and property and land relations” and select “Department of City Property of the City of Moscow” on the right, thus:

After which you will go to the page of this Department, and it will look like this:

Again, slightly scroll down the Department’s page to the “Public Services and Services” block, where in the lower right corner you will find the subsection “Information on the priority of citizens registered with housing.”

After going to the service page, on the right you will see a bright red “Get service” button. You will click on it to complete your task.

Subsidy amount

Upon successful completion of the necessary procedures, the spouses are issued a certificate entitling them to compensation for part of the cost of the purchased home.

To exclude the misuse of budget funds, all payments between local governments and the seller are carried out in non-cash form through the bank, under the close supervision of the commission. The amount of the subsidy directly depends on the composition of the family:

Conversion of non-residential premises into residential premises - where to apply in Irkutsk in 2021

• absence of children – 30% of the cost of housing;
• family with one child – 35%;
• parents are raising two children – 40%;
• There are three or more children in a family – 50%.

In some constituent entities of the Russian Federation, additional benefits have been established that make it possible to compensate up to 80% of the price of residential real estate through the program.

The essence of the project

Assistance to a young family under the program is subsidizing part of the cost of purchased housing. That is, the state allocates money free of charge to facilitate the purchase or construction of an apartment or house.

The project was regulated by the Decree, which we wrote about above. Despite the fact that the program is federal, local authorities can adjust the subsidy conditions and requirements for families.

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“Young Family” program in the city of Irkutsk and the Irkutsk region

The state program “Young Family” is successfully implemented in Irkutsk and the Irkutsk region, on the basis of Decree of the Government of the Russian Federation No. 1050 of December 17, 2010, which is mandatory for execution throughout the country.

In accordance with the provisions of this project, the federal budget provides financial support to the country's young families when they purchase and build their own housing.

This is expressed in the provision of targeted subsidies , which are used to repay part of the transaction for the purchase of residential real estate, as well as in the sale by banking institutions of preferential mortgage loans with reduced interest rates.

Allocating large cash payments to young families allows them not only to free up funds for organizing their lives and development, but also for many to solve a problem that was practically insoluble without help from the state budget.

Especially when you consider that the amount of assistance can reach from 400 thousand to 1 million rubles .

• For those who do not have enough subsidies to buy their living space, specially accredited banks offer preferential mortgage loans at very low interest rates and with the possibility of partial repayment through payments from the state budget .
• The presence of preferential mortgage lending programs in the region has a positive effect not only on the banking system. Largely thanks to them, the demand for new housing is growing, since they cannot be registered on the secondary residential real estate market. And accordingly, there is an incentive for the development of capital construction.

Thus, the assistance that this program provides not only in the social sphere, but also in many sectors of the economy cannot be overestimated. This is especially felt thanks to the latest innovations, which are aimed precisely at making it profitable to invest subsidies not in a mortgage, but in the construction of one’s own home.

Regional program

The regional program “Young Family” in Irkutsk and the Irkutsk region began to operate simultaneously with the federal project “Housing”.

However, even then, local authorities appreciated the social significance of this initiative and therefore, unlike most regions of the country, from the very first days a family support system was developed, which provided for its operation until 2021 .

The general provisions of the program are similar to the federal analogue, but only if other subjects of the federation are constantly extending the validity of similar regulations or adopting new ones, keeping ordinary people in constant suspense, then the authorities of Irkutsk are armed with a strategic multi-year plan.

Funds for the implementation of the program are raised from the following sources :

1. Federal budget.
2. Regional budget.
3. Local municipal budgets.
4. Extrabudgetary sources.

The “Young Family” project in the Irkutsk region assumed the following funding schedule from the regional budget by year:

YearAmount (million rubles)

However, every year funding indicators are revised and change significantly upward. This is due, first of all, to the fact that due to the effectiveness of the program, the number of people wishing to participate in it is growing every year.

As of the end of 2013, there were almost 2,100 families , and the funding allocated should be enough to help all of them within the validity period of the issued certificates.

And thanks to the conditions that have been created in Irkutsk and the region for those wishing to apply for a subsidy, the region in 2012 took first place in the country in terms of the pace and quality of implementation of this initiative.

Subsidy amount

The main and most significant type of assistance under this program is a subsidy, which is issued to families participating in the project. According to the terms of the program operating in Irkutsk, these payments should be used to purchase affordable housing .

• This may be expressed in payment under a sales contract or contract work for a construction organization.
• Participation with this amount in shared or cooperative construction is also allowed if the contract clearly stipulates the size of the purchased housing.
• Also, amounts allocated from the budget can be sent as the first or last installment on a mortgage, which is opened in a bank accredited for this project.

The amount of the subsidy for each family is calculated individually ; its size is influenced by the number of family members, the size of the acquired real estate, and the average market value per square meter of residential premises in the region.

The regional and state budgets will compensate for a fairly large part of the cost of the housing received:

• 30% - for a family without children.
• 35% - to a family with children.

It should be borne in mind that assistance is provided only for the purchase of budget housing . The parameters of the premises in terms of area should not exceed the average security value established by law. In accordance with them, the area of ​​an apartment or house, regardless of the number of rooms, should not exceed the following values:

• 42 square meters - for a family of two people.
• 18 square meters for each person - if the family consists of three or more people.

If the area of ​​the home is larger than the specified dimensions, then providing regional support is not worth it.

In addition, to prevent situations where the cost of housing received by a family is artificially inflated, the cost of real estate and, accordingly, the part of it that will be subsidized, is calculated using the average cost of new housing in the region, the value of which is established quarterly by the Federal Agency. At the end of 2013 it was 33,800 rubles.

Knowing all the features of determining the size of the subsidy that the budget can allocate, you can completely calmly calculate its value in each specific case.

For example, when purchasing affordable housing for a family of three, provided that its area within the standard of provision is 54 square meters, the amount of assistance is calculated as follows: 54 m2 x 33,800 rubles.

x 0.35 and amounts to 638,820 rubles, which is a good help not only for young people, but also for people with incomes.

Queue to participate

Only young families that meet the following criteria can count on support from the state and the region:

• The age of the spouses or the eldest in a single-parent family should be no more than 35 years ;
• Being on the waiting list for improved living conditions;
• Family members have not previously used their rights to such assistance from the state;
• Official monthly income allows you to repay your mortgage;
• The family’s place of permanent residence is the Irkutsk region;
• The marriage was registered more than 1 year ago .

If all conditions are met, then it is necessary to prepare an application for participation in the program in two copies, and attach the following list of documents :

1. Passports of all adults in the family (copies);
2. Birth certificates of all minors in the family (copies);
3. Marriage certificate (copy);
4. Certificate-characteristics from the place of residence about the composition of the family;
5. Certificate from the municipality regarding registration in the apartment queue;
6. Certificates of earnings and income of all adults;
7. Consent of all adult family members to the processing of their personal data.

After submitting the application, the applicant is notified within 15 days of the result of consideration of his application. And if a positive decision is made, state certificates for receiving subsidies should be issued in September. These documents are valid for 9 months from the date of issue.

Subsidy funds are not issued in cash , but are transferred in pursuance of a purchase and sale agreement, contract, or to repay part of a mortgage loan.

Regulations

This program is based on the following regulatory documents:

• Resolution of the Legislative Body of the Irkutsk Region No. 7/26-ЗС dated March 16, 2005 “On the social housing program for young families for 2005 - 2021.”

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How to get a free plot of land - procedure where to apply in Irkutsk in 2021

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How long to wait to receive a housing certificate

After being placed on the waiting list, the family has to wait for an invitation to receive a subsidy from the state. The issuance of certificates occurs in turn, which is formed in each region. Progression in the queue depends on how much subsidies are allocated by the state and how many people are in the queue. It is impossible to say exactly how long a family should wait to receive a subsidy. The wait can last from six months to several years.

Important! If the decision is positive, the family must be notified by sending a registered letter. The applicant will be issued a certificate for a subsidy under the state program, which must be presented to the bank within 2 months. In this case, the bank will open a special account in the name of the participant, to which the funds under the certificate will be transferred.

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Program for young families “Affordable housing” Irkutsk region: documents, waiting list in 2021

The program “Affordable housing for young families” in the Irkutsk region operates within the framework of the federal project “Housing”. The purpose of government assistance is to prevent the outflow of residents and increase the birth rate in the region.

You can spend the allocated funds on purchasing an apartment, paying off a mortgage or building a house. The main criterion is the age of the participants. Spouses and single parents under 35 years of age are eligible to apply. The time frame for obtaining a certificate varies.

Ordinary families wait 5-8 years or more. Parents with many children can get housing 2-3 times faster.

Program Basics

Within the framework of the “Housing” program, created to help those in need of their own living space, there are several subprograms, including “Young Family”.

Assistance is regulated by Resolutions of local legislative authorities (7/26-ZS, 3/39-ZS) and administration (regional No. 249-pa, city No. 031-06-2031/12). This project differs from similar ones in other regions in its stability.

In many regions, regulations governing work are regularly reviewed. The authorities of Irkutsk use multi-year programs. The current period is until 2021. The issuance of subsidies began in 2005.

The essence of the youth program is to allocate a targeted subsidy from the state budget to improve the living conditions of 1 or 2 parents or spouses living in an official marriage. The amount allocated is selected individually and depends on the price per square meter in the region.

Approximately 30-40% of the cost of the property is paid. The remaining funds must be found by the project participants. In the absence of savings, mortgage lending on preferential terms becomes relevant for officially employed citizens. The first payment can be made through government assistance.

Then the mortgage is paid in the usual manner.

The “Young Family” program in Irkutsk is useful not only for citizens in need of improved housing conditions, but also for the banking sector. Issued targeted loans support the stable condition of financial institutions. Against the background of the lack of opportunity to buy an apartment from the secondary real estate market, the demand for capital construction is also increasing.

Statistical data

In total, about 6 thousand participants in the governor's program to provide assistance to young families in the Irkutsk region are expected to be included in the list to receive targeted subsidies. On average, 200 candidates a year receive certificates, which negatively affects the queue. General statistics for the region are as follows:

• Social benefits have been provided to 3,683 participants since 2005.
• In 2021, 223 subsidies were allocated. For comparison, in 2021 – 203.
• Every year the number of applicants increases. As of 2021, 6,703 people are on the waiting list for the Young Family program in Irkutsk.

Due to the increased waiting period, citizens who submitted applications before 2013 and reached 35 years of age have changed the age criterion to 40 years. Payment will be made exclusively from the local budget.

Project financing

Once a year, when drawing up the budget, lists of families who will receive certificates are drawn up. To issue targeted subsidies, it will be necessary to approve the amount of funding allocated by federal, regional and municipal authorities. The following data is current for 2021:

BudgetAmount of funding

The program budget increases every year. The change in funding is justified by the increase in the number of candidates applying for a targeted certificate. In 2021, regional authorities will provide over 100 million 400 thousand rubles.

The amount exceeds that in 2021 exactly 2 times. Thanks to the increased program budget, it will be possible to allocate 230 additional certificates. In total, 470 participants can count on receiving subsidies.

The governor of the Irkutsk region, S. G. Levchenko, announced changes in the “Young Family” project.

Procedure for obtaining a certificate

Applicants who meet the criteria will only have to collect the necessary documentation and write an application. In turn, authorized persons will have to check the applicants' compliance with the program requirements and make a decision. To avoid mistakes, it is recommended to follow the algorithm of actions exactly:

• Prepare a package of documents.
• Contact the district administration. The result of the application will be known within 2 weeks.
• Wait your turn. Large families with 3 or more dependents have preferential rights. Next come participants who submitted a request in previous years. If there is room left on the list, new candidates are added. There is time until the end of summer to compile a complete list. Then the document is agreed upon with local authorities. Subsidies are issued during the fall.
• Receive notification of inclusion in the list. From the date of delivery of the message, the family is given only 30 days to submit documents to the local authority. After making sure that everything is fine, authorized persons will provide applicants with a certificate entitling them to receive a subsidy.
• Submit documents to the financial institution. The family has 1 month to choose and visit the bank.
• Prepare the necessary papers to complete the transaction. Within 7 months from the date of transfer of the certificate, you need to decide on a way to improve your living conditions. Then all that remains is to provide a package of documents to bank employees in order to open an account in the name of the owner of the state subsidy.
• Get a response from local authorities. The financial institution will send a request for funds. You will have to wait no more than 11 days for the result.
• Wait for the funds to be transferred. The bank will be responsible for paying for the transaction. The procedure takes no more than 5 days.

The purchased property becomes the property of each family member in equal shares. You can view the queue number on the official website of the regional authorities. It is enough to enter the applicant’s full name and registration date. The information provided is current as of December 2021. You can also find out more at the administration located on the street. Marata, house 14, or by phone 8(3952) 52-04-28.

Amount of payment and purposes of use

Participants in the Young Family program are provided with a subsidy as a percentage of the average cost of housing.

For a childless couple who have registered their relationship with the registry office, 35% of the property price is available. Additionally, they give another 5% at the birth of a child while waiting in line. Parents are entitled to 40%.

The average payment is 400 thousand - 1 million rubles. The amount depends on the price per m2 relevant for the year the subsidy was issued.

The certificate is used for budget housing. There are no exceptions for families who have the financial ability to purchase more respectable real estate. The number of squares must meet the program requirements:

• For 2 people (spouses or parent and child) – 21 m2 each.
• For 3 or more family members (spouses with children, 1 parent and several dependents) - 18 m2 each.

You shouldn't count on a large area. The bank simply will not transfer the funds to the seller. To avoid fraud, the allocated amount is calculated based on the average price per square meter.

The Federal Agency is responsible for setting the cost per square meter. For comparison, in 2013, 1 m2 cost almost 34 thousand. In 2017, the amount was 35 thousand rubles.

The following examples will help you calculate the approximate size of the payment:

• Spouses without children applied to participate in the project. According to the rules, they are entitled to 42 squares. The size of the 35% subsidy will be as follows: 42 m2 * 35 thousand * 0.35 = 514 thousand 500 rubles.

According to the terms of the “Young Family” project, the certificate can only be used to improve living conditions. The bank will handle the financial component. The owner of the subsidy is responsible for resolving the issue of purchasing or constructing real estate:

• Make a down payment on your mortgage. Existing loans can be repaid using the assistance provided if the financial obligations were taken out between 2006 and 2011.
• Buy an apartment in a new building. The secondary market is not covered by the program. The seller is the company that built the house.
• Participate in shared construction. Other funds must be contributed from the family budget. Taking out a loan against the remaining amount is unacceptable.
• Make the final payment for the property with the participation of the housing cooperative.
• Build a house in your registration area. The program participant will not be able to choose a developer. The remaining amount will have to be transferred from personal savings.

Help is provided only once in a lifetime. If the participant has already received a similar subsidy, then there is no point in contacting the district administration again. An exception is the allocation of maternity capital to a candidate for 2 and subsequent children. If the parent meets the criteria, then he has the right to participate in the project.

Criteria for accepting an application

To participate in the program, you will need to meet the requirements specified in the regulatory documents. If the candidate does not meet 1 of the criteria, the application will not be accepted. The general list of conditions for inclusion in the Young Family program queue is as follows:

• Age up to 35 years.
• Having a bank deposit to pay off the rest of the amount or an official job with a salary that allows you to pay off the mortgage.
• Residence in the Irkutsk region for over 10 years.
• Concluding a marriage 12 months or more before submitting documents.
• Acute need for housing: no personal living space;
• the existing apartment does not meet the requirements;
• a sick person lives in the apartment, which causes inconvenience;
• the housing is in disrepair.

Every criterion is checked. Particular attention is paid to the family's need for their own home. The moment is regulated by Art. 51. Housing complex of the Russian Federation.

Required documents

A subsidy for the purchase of housing for young families under a program that is relevant in Irkutsk requires the collection of a large number of documents. The entire list must be provided at once. The general package of papers justifying the right to participate in the project is given in the list:

• Participants' passports.
• Children's metrics (if available).
• Statement of desire to receive a subsidy. Compiled in 2 copies (for administration employees and the candidate). The document contains the following information: information about the administration receiving the documents;
• information about candidates for subsidies;
• passport details;
• information about children;
• registration address;
• agreement with the terms of the project;
• list of documentation attached to the application.
• other information;
• date of filing and signature.

Documents confirming the amount of income of candidates are considered valid only for 6 months. A sample application form can be found here.

If maternity capital was previously used, you will have to collect additional information. Administration employees will be interested in learning about the reasons for receiving government assistance and the purposes for which the funds are spent.

Queue waiting period

People wait 5-7 years or more for their turn to receive a subsidy. This is due to the availability of preferential categories of participants and the number of applicants. The difficulty of achieving the goal is also reflected in the reviews of families who have received or are expecting help:

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Relocation of communal apartments - in Irkutsk in 2021

Regulatory framework

States are interested in supporting demographic growth. One way is to provide newlyweds with funds to buy an apartment. The Federal Program for Providing Housing for Young Families began its operation in 2011. Its work is regulated by government regulations. During the period of work, it was extended several times; now it is expected to last until 2010 inclusive, but, based on the logic of the legislator and the practice of drawing up the federal budget, it is possible to predict an extension for the next three years.

The essence of the assistance is the provision of a subsidy to newlyweds, through which they can pay 30-35% of the cost of the purchased apartment or house under construction. You cannot count on a large amount. At the same time, you can purchase not any apartment, but only one that does not exceed the established social standards for living space. The problem will be that in modern new buildings, small-sized housing is almost never built.

At the time of allocation of funds, the remaining amount must already be reserved with the recipients. In order to qualify for compensation for housing purchase costs, a family or single parent must meet the following conditions:

• applicants must be no older than 35 years of age;
• they need to be citizens of Russia;
• they must need improved living conditions.

Need is determined by local administrations according to the following algorithm:

• there should be less than 18 m of living space per person;
• on two – less than 42 meters.