What benefits and subsidies for the purchase of housing can you get from the state

Preferential mortgage programs

The state finances several preferential mortgage programs for different categories of borrowers. In this article we will talk about the three most popular programs that operate in 2021-2022.

Mortgage at 7%

Available to : any citizens of the Russian Federation who want to buy an apartment in a new building. Rate : up to 7% per annum for the entire loan term. It may be increased if the borrower does not insure life, health and real estate.

Validity : until July 1, 2022. In which regions it is valid : throughout the country. Maximum loan amount : 3 million rubles. Can it be used for refinancing : no. Which banks issue : all large and most small banks, for example, Sberbank, VTB, Alfa Bank and Sovcombank.

Rural mortgage

Available to : any citizens of the Russian Federation who want to buy real estate in rural areas. Rate : from 0.1 to 3% per annum Validity period : until 2025. In which regions is it valid : throughout the country, except for the cities and municipalities of St. Petersburg, Moscow and the Moscow region. But only in rural areas, for example, in a workers’ village, urban settlement or small town, up to 30 thousand people. Maximum loan amount : 3 million rubles. For the Far East, Leningrad Region and Yamalo-Nenets Autonomous Okrug, the amount is higher - 5 million rubles. Can it be used for refinancing : no. Features : Can only be obtained once in a lifetime. Which banks issue : nine banks participate in the program, for example, Rosselkhozbank, Sberbank, CB Center-Invest and Ak Bars Bank.

What is a mortgage for a young family

Mortgage for a young family is a program under which the state helps young families improve their living conditions.
The target audience is promising young couples who receive a stable income and can pay off most of the mortgage on their own. Young families are not offered free housing under this program. The state contributes part of the amount for housing as subsidies; the family does not have to repay the debt. The program will be valid until 2025, but it can be extended if the government considers it an effective measure.

The main differences between a regular mortgage and lending to young families with government participation:

Interest rate. Mortgages for young families remain at reduced interest rates in 2021. Most often, the rate is 6-10% annually, and for regular programs from 10%.
Initial payment. The down payment is limited, most often 15-30% of the total mortgage amount. You can contribute the amount using maternity capital. If the family does not have maternal capital, the spouses can count on a payment of 10% under the program to support young families.
Credit holidays. You can count on this type of support for a mortgage for young families in two cases: when building a house for 2 years and at the birth of a child for 3 years.

Such conditions make the program more attractive, and with their help, more families decide to enter into mortgage lending and acquire their own home.

State support for young families

The following are considered young:

Two-parent families with or without children, in which one of the spouses is under 35 years of age.
Single-parent families, such as mother and child families, in which the parent is under 35 years of age.

There are several government support programs for such families: some operate throughout the country, others only in certain regions. We recommend starting your search for a suitable program from the websites of your local administration. If there are no suitable programs in your region, look into federal ones.

Departmental target program

The essence of the support : a free payment in the amount of 30-35% of the estimated cost of the apartment. Who can receive : a young family that is recognized as needy. Also, before receiving the payment, you need to prove that you have the funds to purchase the chosen home or you can take out a mortgage. Features : it doesn’t matter how much the apartment you want to buy costs: the payment amount is calculated according to the standards. First, they find out how many square meters the family is entitled to. So, two spouses or a parent with a child are entitled to 42 sq.m., and families of three or more people are entitled to 18 sq.m. m for each. Afterwards, the number of square meters required is multiplied by the standard cost of 1 sq. m in your region.

For example, the standard cost of one square meter in Moscow is 115,151 rubles. If there are two parents and two children in a family, they are entitled to 72 square meters. m. Then the standard cost of the housing they are entitled to is 8,290,872 rubles. And the amount of social benefits is 35% of this amount - 2,901,805 rubles.

Maternal capital

The essence of support : targeted payment at the birth or adoption of a child. 483 thousand rubles for the first child and 639 thousand rubles for the second and subsequent ones. Such a payment for the second and subsequent child will only be provided if you did not receive maternity capital for the first.

Who can receive : the father or mother of the child, as well as an orphan child under 18 years old who was born after 2007.

Features : Matkapital can be used to purchase an apartment or house, as well as to build a house. Funds cannot be spent on purchasing housing abroad, dilapidated or dilapidated housing, as well as non-residential premises, including apartments. You also cannot buy a share in an apartment or house. An exception is if this is a separate room or share in existing housing.

After the purchase, you need to allocate shares for each family member who is indicated in the certificate for maternal capital.

Young families can also take advantage of other programs, for example, mortgage restructuring, which we will discuss below.

Results and current activities

Subroutine	results
Subprogram I “Providing housing for young families”	Certificates of the right to receive social benefits for the purchase (construction) of housing were issued to 415 young families participating in the subprogram “Providing housing for young families.”
Subprogram II “Providing housing for orphans and children without parental care, as well as persons from among them”	Certificates were issued to 531 people from among orphans and children left without parental care.
Subprogram III “Social mortgage”	Certificates of entitlement to subsidies were issued to 40 teachers and doctors who decided to improve their living conditions using mortgage loans.
Subprogram IV “Providing residential premises for certain categories of citizens at the expense of the housing stock of the Moscow region”	Reconstruction of an unsafe residential building, damaged as a result of a domestic gas explosion, was carried out in the urban settlement. Sychevo. Purchased and provided to citizens affected by fires in apartment buildings in the city. Solnechnogorsk and city district Elektrostal - nine apartments damaged as a result of the collapse of the wall of an apartment building in the urban settlement. Bolshiye Dvory – 21 residential premises.
Subroutine V “Supporting subroutine”	The total planned amount of financing is 4.5 billion rubles, including from the budget of the Moscow region - 2.8 billion rubles. The actual amount of financing from the budget of the Moscow region is 2.57 billion rubles. (89.5% of the amount of funding provided from the budget of the Moscow region). In fact, activities were carried out at the expense of the budget of the Moscow region in the amount of 2.57 billion rubles. (89.5%).
Subprogram VI “Improving the living conditions of families with seven or more children”	Housing subsidies were provided to 31 families with seven or more children.
Subprogram VII “Providing housing for veterans, disabled people and families with disabled children”	139 families of veterans and disabled people were provided with living quarters.

Subroutine	results
Subprogram I “Comprehensive development of land plots for the purposes of housing construction and development of built-up areas”	The database of the Register of Residential Buildings of the Moscow Region was formed on the basis of a specialized automated accounting system. During the reporting period, the rights of 39% of citizens recognized as affected co-investors in housing construction (1.6 thousand people) were ensured, and eight objects from the list of problematic ones were put into operation. The implementation of measures to resettle citizens from dilapidated housing stock was carried out within the framework of financing the targeted program of the Moscow Region, approved by Decree of the Government of the Moscow Region dated 04/09/2013 No. 230/13. In 2015, out of 146.6 thousand sq. m of emergency housing stock, 9,474 people were resettled.
Subprogram II “Providing housing for young families”	Certificates of entitlement to housing subsidies were received by 352 young families.
Subprogram III “Providing housing for orphans and children without parental care, as well as persons from among them”	Housing was provided to 653 people from among orphans and children left without parental care.
Subprogram IV “Social mortgage”	Using state support measures, living conditions were improved by 24 participants in the Social Mortgage subprogram (including eight people who received a certificate of entitlement to a housing subsidy in 2014).
Subprogram V “Providing residential premises for certain categories of citizens at the expense of the housing stock of the Moscow region”	Using funds from the budget of the Moscow region, residential premises were purchased to resettle residents affected by a fire (Elektrostal) and a building collapse (the village of Baranovskoye, Voskresensky district).
Subprogram VI “Supporting subprogram”	The total planned amount of financing is 4.19 billion rubles, including from the budget of the Moscow region - 2.96 billion rubles. The actual amount of financing from the budget of the Moscow region amounted to 2.9 billion rubles (98.2%).
Subprogram VII “Improving the living conditions of families with seven or more children”	Certificates of entitlement to housing subsidies were received by 23 large families.
Subprogram VIII “Providing housing for veterans, disabled people and families with disabled children”	148 families of veterans and disabled people were provided with living quarters.

Subroutine
Subprogram I “Comprehensive development of land plots for the purposes of housing construction and development of built-up areas”	The rights of 4,098 citizens recognized as affected co-investors in housing construction were restored (against the plan of 629). 21 “problem” facilities were put into operation.
Subprogram II “Providing housing for young families”	Certificates of the right to social benefits for the purchase of residential premises or the construction of an individual residential building were issued to 341 young families and 20 families with seven or more children.
Subprogram III “Providing housing for orphans and children without parental care, as well as persons from among them”	633 orphans and children left without parental care were provided with living quarters.
Subprogram IV “Social mortgage”	Of the 305 participants in the “Social Mortgage” subprogram who received certificates of entitlement to payment, 158 doctors, 8 teachers and 58 young scientists and unique specialists benefited from state support for improving housing conditions using mortgage loans.
Subprogram V “Providing residential premises for certain categories of citizens at the expense of the housing stock of the Moscow region”
Subprogram VI “Supporting subprogram”	The total planned amount of financing is 6,162.8 million rubles, including from the budget of the Moscow Region - 3,930.6 million rubles. The actual amount of financing from the budget of the Moscow region amounted to 3,392.0 million rubles (86.3%).
Subprogram VII “Improving the living conditions of families with seven or more children”	Certificates of entitlement to social benefits for the purchase of residential premises or construction of an individual residential building were issued to 15 families with seven or more children
Subprogram VII “Improving the living conditions of families with seven or more children”	Certificates of entitlement to social benefits for the purchase of residential premises or construction of an individual residential building were issued to 15 families with seven or more children
Subprogram VIII “Providing housing for certain categories of citizens established by federal legislation”	Using state support measures, the living conditions of 13 veterans of the Great Patriotic War and family members of deceased (deceased) disabled people and participants in the Great Patriotic War, 22 combat veterans and families with disabled children, as well as 22 former military personnel were improved.

Subroutine	results
Subprogram I “Comprehensive development of land plots for the purposes of housing construction and development of built-up areas”	The share of commissioned housing according to economy class standards in the total volume of commissioned housing was 21.9%, against the plan of 18%. The annual volume of housing commissioning according to Moscow Regional Statistics for individual housing construction for January-November 2021 amounted to 8,312 thousand square meters. meters.
Subprogram II “Providing housing for young families”	As part of the subprogram “Providing housing for young families,” 313 certificates of the right to receive social benefits for the purchase (construction) of residential premises were issued.
Subprogram III “Providing housing for orphans and children without parental care, as well as persons from among them”	As a result of the implementation of the program for January-December 2021, 769 people from among orphans and children left without parental care were provided with living quarters.
Subprogram IV “Social mortgage”	452 participants of stage II of the “Social Mortgage” subprogram (293 doctors, 52 teachers and 107 young scientists and specialists) took advantage of state support in the field of mortgage lending.
Subprogram V “Providing residential premises for certain categories of citizens at the expense of the housing stock of the Moscow region”	The rights of 902 citizens recognized as injured co-investors in housing construction were restored. 1,918 people were resettled from emergency housing stock.
Subprogram VI “Supporting subprogram”	The total planned amount of funding for 2021 is 8,063.2 million rubles, including from the budget of the Moscow region - 5,314.8 million rubles, The actual amount of financing from the budget of the Moscow region is 5,027.7 million rubles (94.6%).
Subprogram VII “Improving the living conditions of families with seven or more children”	As part of the subprogram “Improving the living conditions of families with seven or more children,” 20 large families received certificates of entitlement to receive a housing subsidy for the purchase (construction) of housing.
Subprogram VIII “Providing housing for certain categories of citizens established by federal legislation”	16 disabled people and combat veterans, family members of deceased (deceased) disabled people and combat veterans, 10 WWII veterans and 19 former military personnel were provided with living quarters.

Subroutine	results
Subprogram I “Comprehensive development of land plots for the purposes of housing construction and development of built-up areas”	The ratio of the number of Russian families who purchased or received affordable and comfortable housing during the year to the number of Russian families who want to improve their living conditions is 72.61%; housing affordability ratio (the number of years required for a family of three to purchase a standard apartment with a total area of 54 square meters, taking into account the average annual total family income) - 4.05%; 73,114 mortgage housing loans were provided; 1573.8 thousand square meters were put into operation. m. of housing according to economy class standards; annual volume of housing commissioning is 8329.7 thousand square meters. m.; 622 people were relocated from emergency housing; 10,384 affected citizens-co-investors received keys to apartments. In the period from 01/01/2018 to 01/01/2019, the rights of 10,384 citizens were ensured: 1. Residential complex “Novokosino-2”, Reutov, bldg. 12 (264); 2. Residential complex “Novokosino-2”, Reutov, bldg. 17 (264); 3. Residential complex "Green City", Lyubertsy, Kraskovo village, st. Lorja, pos. 4, 5 (484); 4. Balashikha, microdistrict. Pekhro-Pokrovskoe, st. Lukino, ow. 51 building 7, 8, residential complex “Alekseevskaya Roshcha-2” (688); 5. Balashikha, microdistrict. 22A, bldg. 4, residential complex "Edelweiss Comfort" (522); 6. Residential complex "Gavan", Dmitrovsky district. (176); 7. Shchelkovo, Litvinovo village, 2 (124); 8. Residential complex “Hussar Ballad”, Odintsovo, st. Akulovskaya, bldg. 25 (455); 9. Balashikha, 3/3, 3/4, 3/7, 3/8 Residential Complex “Novo-Sadovy” (117); 10. Korolev, microdistrict. Yubileiny, st. Tikhonravova, 29, bldg. 1-4, 6, 7, residential complex “Lesnaya Korona” (1,280); 11. Orekhovo-Zuevo, st. Lenina, Shkolny proezd (43); 12. Residential complex “Nakhabino Malaya Istra”, Istra, Vysokovo village, 11 (90); 17. Residential complex “Malaya Istra”, Istra, Vysokovo village, 13 (76); 18. Residential complex “Vidnoe”, Leninsky district, 13 (24); 19. Odintsovo, microdistrict. 8, bldg. 27a, (216); 20. Odintsovo, microdistrict. 8 building 4 (156); 21. Krasnoarmeysk, microdistrict. Yuzhny, bldg. 14 (128); 22. Dmitrov, microdistrict. Makhalina, pos. 8 (224); 23. Krasnogorsk, residential complex "Pyatnitskie quarters", no. 17 (434); 24. Lobnya, residential complex "Leader", 1 (268); 25. Ramenskoye, st. Severnoye shosse, 9, residential complex "Ramensky" (563) 26. Zvenigorod, Vostochny district, microdistrict. 2.3, bldg. 11 residential complex "Vostochny" (123); 27. Zvenigorod, Vostochny district, microdistrict. 2.3, bldg. 12, residential complex "Vostochny" (166); 28. Podolsk, residential complex “Estet” (712); 29. Krasnogorsk, Saburovo village, Pyatnitskie Kvartaly residential complex, 23 (346); 30. Solnechnogorsk, pos. Andreevka, bldg. 1 (256); 31. Bogorodsky district, Elektrougli, st. Shkolnaya, near 37-39 (40); 32. Orekhovo-Zuevo, intersection of st. Bondarenko etc. Bondarenko, bldg. 1 (179); 33. Odintsovo, residential complex Gusarskaya ballad, 24 (249); 34. Krasnogorsk, Saburovo village, Zamitino residential complex, 3 (15); 35. Krasnogorsk, Saburovo village, Zamitino residential complex, 2, 4, 14 (214).
Subprogram II “Providing housing for young families”	431 young families received certificates of the right to receive social benefits for the purchase (construction) of residential premises.
Subprogram III “Providing housing for orphans and children without parental care, as well as persons from among them”	746 orphans are provided with housing.
Subprogram IV “Social mortgage”	44 participants of the subprogram received financial assistance provided to repay the main part of the debt on a mortgage loan (stage 1); 498 participants of the subprogram improved their living conditions with the help of government support measures in the field of mortgage housing lending (stage II), people, including: 280 doctors, 50 teachers, 7 teachers of children's educational institutions, 142 young scientists and specialists, young unique specialists, 19 trainers, teachers, trainers; 950 participants of subprogram 4 who received financial assistance provided to repay the principal part of the debt on a housing mortgage loan (stage II).
Subprogram V “Providing residential premises for certain categories of citizens at the expense of the housing stock of the Moscow region”	16 residential premises were provided under social rental agreements for residential premises and agreements for the rental of office residential premises to persons belonging to certain categories of citizens established by the legislation of the Moscow Region.
Subprogram VI “Supporting subprogram”	The total planned amount of funding for 2021 is 11,983.9 million rubles, including from the budget of the Moscow Region - 8,945.8 million rubles. The actual amount of financing from the budget of the Moscow region is 1,883.3 million rubles (21.1%).
Subprogram VII “Improving the living conditions of families with seven or more children”	13 large families with 7 or more children received certificates of entitlement to receive a housing subsidy for the purchase of residential premises or the construction of an individual residential building.
Subprogram VIII “Providing housing for certain categories of citizens established by federal legislation”	13 disabled people and combat veterans, family members of deceased (deceased) disabled people and combat veterans, disabled people and families with disabled children received state support to provide housing at the expense of the federal budget.

Subroutines	Result
Subprogram 1. “Comprehensive development of land plots for the purposes of housing construction and development of built-up areas”	The housing affordability coefficient (the number of years required for a family of three to purchase a standard apartment with a total area of 54 square meters, taking into account the average annual total income of the family) is 3.55 years. The indicator has been achieved; The excess of the average interest rate on residential mortgage loans (in rubles) over the consumer price index is 6.83% against the planned 7.5%; The number of mortgage housing loans provided is 63,002 units; Price index on the primary housing market - 103.8%; The share of the number of families who received residential premises and improved living conditions among families registered as needing residential premises is 4.81% of the planned 6.4%; The share of orders to eliminate identified violations, the elimination of violations for which was carried out within the time period established by the order - 81.6% of the planned 87%; The annual volume of housing commissioning is 8,235 thousand square meters. The plan is completed; The share of investment agreements under which social obligations are fulfilled within the terms established by the agreement is 75.00 percent. The indicator has been met; The share of agreements on the integrated development of territories concluded in zones of integrated sustainable development of territories that are executed within the time limits established by the agreement is 76%. The indicator has been met; The number of agreements on the integrated development of territories concluded in zones of integrated sustainable development of territories is 3 units out of 30 planned. The indicator was not achieved due to the increased financial burden on potential developers that arose in connection with changes to 214-FZ regarding the use of escrow accounts from July 1, 2019 for the possibility of attracting funds from participants in shared construction, and the possibility of using these funds by the developer only after the commissioning of the facility into operation.; Housing commissioning as part of measures to stimulate housing development programs - 66 thousand square meters. The plan is completed; The number of objects with construction delays of more than six months is 294 out of 335 planned; The number of notifications about the compliance (non-compliance) of the parameters of an individual housing construction project or a garden house specified in the notice of planned construction with the established parameters and the admissibility of placing an individual housing construction project or a garden house on a land plot, notifications about the compliance (non-compliance) of constructed or reconstructed individual housing construction projects or a garden house with the requirements of the legislation on urban planning activities - 129,896 units. The indicator has been met; The number of affected citizens-co-investors whose rights will be ensured in the reporting year by putting problematic objects into operation, providing apartments in other objects or returning funds is 19,404 people out of 19,000 planned.
Subprogram 2. “Providing housing for young families”	The share of young families who have improved their living conditions is 100% of the planned 87%; The number of young families who received a certificate of right to receive social benefits for the purchase (construction) of residential premises is 271 families. The indicator has been met.
Subprogram 3. “Providing housing for orphans and children without parental care, persons from among orphans and children without parental care”	The share of orphans and children left without parental care, persons from among orphans and children left without parental care registered for receiving residential premises, including persons aged 23 years and older, provided with residential premises for the reporting year , in the total number of orphans and children left without parental care, persons from among orphans and children left without parental care, included in the list of orphans and children left without parental care, persons from among them who are subject to provision of residential premises in the reporting year - 100.80%; The number of orphans and children left without parental care, persons from among orphans and children left without parental care, provided with comfortable residential premises of a specialized housing stock under contracts for the rental of specialized residential premises in the reporting financial year - 740 people against the planned 734.
Subprogram 4. “Social mortgage”	The number of participants in subprogram 4 who received financial assistance provided to repay the main part of the debt on a housing mortgage loan (stage II) is 1,414 people out of 1,585 planned. The number of participants in subprogram 4 who received financial assistance provided to repay the main part of the debt on a housing mortgage loan (stage 1) is 42 people. The indicator has been met; The number of participants in subprogram 4 who improved their housing conditions with the help of government support measures in the field of mortgage housing lending (stage II) is 488 people against the planned 360; Including: doctors of public health institutions - 274 people against 160 planned; teachers of state and municipal educational organizations - 55 people against 50 planned; young teachers of state and municipal educational organizations - 18 out of 20; educators of state and municipal educational organizations - 21 people out of 20 planned; young scientists and specialists, young unique specialists - 101 people out of 100 planned; trainers, trainers-teachers - 19 people compared to 10 planned.
Subprogram 5. “Providing residential premises for certain categories of citizens at the expense of the housing stock of the Moscow region”	The number of residential premises provided under social rental agreements for residential premises and rental agreements for office residential premises to persons belonging to certain categories of citizens established by the legislation of the Moscow Region is 16 pieces. The indicator has been met; The number of one-time subsidies for the purchase of residential premises provided to persons belonging to certain categories of citizens established by the legislation of the Moscow Region is 8, with 6 planned.
Subprogram 7. “Improving the living conditions of families with seven or more children”	The number of certificates of the right to receive a housing subsidy for the purchase of residential premises or the construction of an individual residential building issued to families with seven or more children is 22 pieces. The plan has been completed.
Subprogram 8. “Providing housing for certain categories of citizens established by federal legislation”	The number of veterans and disabled people of the Great Patriotic War, family members of deceased (deceased) disabled people and participants of the Great Patriotic War who received state support for providing housing at the expense of the federal budget is 9 people. The plan is completed; The number of disabled people and combat veterans, family members of deceased (deceased) disabled people and combat veterans, disabled people and families with disabled children who received state support for providing housing at the expense of the federal budget - 25 people; Including: the number of disabled people and combat veterans, family members of deceased (deceased) disabled people and combat veterans who received state support for the provision of living quarters at the expense of the federal budget - 13 people; the number of disabled people and families with disabled children who received state support for providing housing at the expense of the federal budget is 12 people.

Subroutine	results
Subprogram 1. “Comprehensive development of land plots for the purposes of housing construction and development of built-up areas”	The number of mortgage housing loans provided is 82,370; Price index on the primary housing market - 102.48%; The share of orders to eliminate identified violations, the elimination of violations for which was carried out within the period established by the order - 88.1%; Housing affordability level - 47.4%; The number of objects with construction delays of more than six months is 389; The number of notifications about the compliance (non-compliance) of the parameters of an individual housing construction project (hereinafter referred to as individual housing construction) or a garden house specified in the notice of planned construction with the established parameters and the admissibility of placing an individual housing construction project or a garden house on a land plot, notifications about the compliance (non-compliance) of constructed or reconstructed objects Individual housing construction or garden house requirements of the legislation of the Russian Federation on urban planning activities - 67480; Number of affected citizens-co-investors, whose rights will be ensured in the reporting year by putting problematic objects into operation, providing apartments in other objects or returning funds Number of affected citizen-co-investors, whose rights will be ensured in the reporting year by putting problem objects into operation, providing apartments in other properties or refund of funds - 16025; The annual volume of housing commissioning is 8.794 million square meters. m.
Subprogram 2 “Providing housing for young families”	The share of young families who have improved their living conditions is 100%; The number of young families who received a certificate of right to receive social benefits for the purchase of residential premises or the creation of an individual housing construction project is 255.
Subprogram 3 “Providing housing for orphans and children without parental care, persons from among orphans and children without parental care”	The share of orphans and children left without parental care, persons from among orphans and children left without parental care registered for receiving residential premises, including persons aged 23 years and older, provided with residential premises for the reporting year , in the total number of orphans and children left without parental care, persons from among orphans and children left without parental care, included in the list of orphans and children left without parental care, persons from among them who are subject to provision of residential premises in the reporting year - 101%; The number of orphans and children left without parental care, persons from among orphans and children left without parental care, provided with comfortable residential premises of a specialized housing stock under lease agreements for specialized residential premises in the reporting financial year - 788.
Subprogram 4 “Social mortgage”	The number of participants in subprogram 4 who improved their housing conditions with the help of government support measures in the field of mortgage housing lending (stage II) is 323; The number of participants in subprogram 4 who received financial assistance provided to repay the main part of the debt on a housing mortgage loan (stage II) is 1,635 people.
Subprogram 5 “Providing residential premises for certain categories of citizens established by the legislation of the Moscow region”	The number of residential premises provided under social rental agreements for residential premises and agreements for the rental of office residential premises to persons belonging to certain categories of citizens established by the legislation of the Moscow Region - 9; The number of one-time subsidies for the purchase of residential premises provided to persons belonging to certain categories of citizens established by the legislation of the Moscow Region is 12.
Subprogram 7 “Improving the living conditions of certain categories of large families”	The number of certificates of entitlement to receive a housing subsidy for the purchase of residential premises or the construction of an individual residential building issued to large families is 21.
Subprogram 8 “Providing housing for certain categories of citizens established by federal legislation”	The number of disabled people and combat veterans, family members of deceased (deceased) disabled people and combat veterans, disabled people and families with disabled children who received state support for providing housing at the expense of the federal budget - 2; The number of disabled people and combat veterans, family members of deceased (deceased) disabled people and combat veterans who received state support for the provision of living quarters at the expense of the federal budget - 20; The number of disabled people and families with disabled children who received state support for providing housing at the expense of the federal budget is 8.

Mortgage restructuring with government help

The essence of the support : the state repays part of the borrower’s loan so that he can change the terms of the mortgage, for example, choose a different currency, reduce the payment amount, increase the loan term or receive a “credit holiday”.

Who can receive:

parents of children under 18 years of age;
parents of children aged 18 to 24 who are full-time students at universities;
disabled people and parents of children with disabilities;
young families;
combat veterans.

In this case, you need to prove that you cannot pay the mortgage under current conditions, for example:

after paying the mortgage payment, each family member remains less than two subsistence minimums in the region;
the monthly payment from the date of receiving the mortgage has increased by more than 30%.

There are also requirements for mortgage housing. The property must be your only home and be located in Russia. A one-room apartment should be less than 45 square meters. m, two-room - less than 65 sq. m, and a three-room apartment is less than 85 sq. m. m.

State support for public sector employees

Social mortgage for state employees

The essence of the program : the buyer can choose the type of assistance that suits him:

receive up to 15% of the cost of the purchased apartment once;
receive annual mortgage interest compensation;
buy housing from the state on special terms.

Who can receive : employees of budgetary organizations who need their own housing, for example:

live in one apartment with several families;
have their own housing, in which each person has less than 14 square meters. m;
live in a communal apartment;
do not have their own home.

Features : the program is not valid in all regions. Some fields may only attract certain specialists, such as doctors, teachers or young scientists.

If you take out a mortgage on your home, you must work in government agencies for the entire term of the loan. You can quit, but the new place of work must also be a budget organization.

What are the conditions for a family mortgage?

Within the framework of the program, a rate of 6% applies. But for residents of the Far Eastern Federal District who purchase real estate in the same region, it is even lower - 5%. The preferential rate is valid for the entire loan term.

You can take out up to 6 million rubles on a family mortgage. For Moscow, St. Petersburg, the Moscow and Leningrad regions, the limit is higher - 12. This does not mean that the entire cost of housing should be within this amount, only the loan.

The minimum down payment is 15%. You can contribute more, but not less.

At the same time, it is allowed to both take out a new loan and refinance an existing one, if it is issued for housing that meets the conditions. Moreover, even when the loan has already been refinanced, this can be done again under the program.

State support for the military

Savings and mortgage system

The essence of the program : for military personnel who use the Savings and Mortgage System (SMS), the state transfers payments to a special account. Funds in this account are invested to offset inflation and increase savings. The payment amount is the same for all ranks and changes annually. In 2021, the military receives about 300 thousand rubles per year.

Three years after beginning participation in the program, the service member may decide to:

continue saving;
buy housing with accumulated funds;
use the funds as a down payment on a mortgage.

If a serviceman has not used NIS funds for 20 years, he will be paid the full amount. You can spend this money for any purpose.

Who can receive : everyone who entered into a contract after 2005. Some military personnel are required to participate in the program, while others, such as some soldiers, may refuse.

Military mortgage

The essence of the program : Mortgage payments are paid not by the borrower, but by the state. Funds from NIS are used for this. If the amount of the monthly payment is greater than the state payments, the remaining funds are used for early repayment of the mortgage.

Features : If a military man serves for less than 20 years, he must return the funds he received from the state. The debt can be repaid in installments over 10 years. If a military personnel is laid off or forced to resign due to family reasons or poor health, the funds will not have to be returned.

450 thousand rubles for large families

The essence of the program : the state pays 450 thousand rubles so that large families can fully or partially repay their mortgage. If the amount of debt is less than 450 thousand, the payment amount will be reduced.

Who can receive : families in which a third and subsequent child was born after January 1, 2021. In this case, the age of older children is not important.

Features : the payment can be received only once and used only to pay off the mortgage. If you used a consumer loan to purchase a home, you will not be able to participate in the program.

Housing certificates

The essence of the program : the state provides subsidies for the purchase of housing to certain categories of citizens. To do this, they issue personalized housing certificates.

Who can receive : beneficiaries and those who need improved housing conditions. Thus, those in need can be recognized as

who do not have their own home;
those whose housing area is less than the established standards;
who lives in a dilapidated house;
who lives with a seriously ill family member.

How is the payment amount calculated : there is no specific amount - it depends on the standard cost of housing in the region and the number of family members who will live in the apartment. So, according to the standards, one person is entitled to 33 square meters. m, two - 42 sq. m, and a family of three or more people - 18 sq. m for each.

The number of square meters a family is entitled to is multiplied by the standard cost of one meter in your region.

Features: the certificate is valid for seven months. If during this time you did not manage to find an apartment, you will have to apply for it again. The money can only be spent on purchasing a home—the certificate cannot be cashed out, gifted, or inherited.

Where can the subsidy be spent?

Let us immediately note that the subsidy is not transferred to the young family’s card and is not issued in cash. The purchase of housing is carried out through banks.

The program provides for the use of subsidies for:

purchasing an apartment in a new building;
purchase of a “resale” - a finished apartment;
investment in house construction;
making the last payment towards the share contribution, if the young family or one of the spouses in the young family is a member of a housing, housing construction, housing savings cooperative;
payment as a required payment on a mortgage loan.

How to get subsidies from the state

You can select a suitable support program on the local administration website. Most regions have their own support programs, but you can also use one of the federal programs.

Once you have decided on the program, contact your local administration or MFC. You will be asked to prepare a package of documents. Most often requested:

passport of the applicant and his family members;
an extract from the house register;
bank statement or income certificate;
a copy of the work book;
a document confirming the right to the benefit;
a document that confirms the ownership of housing or a social tenancy agreement;
a document that confirms the right to additional space.

It is advisable to make several copies of all documents.

If the administration decides that you are entitled to a subsidy, you will be put on a waiting list for improved housing conditions. When your turn comes - sometimes this happens after several years - the State Property Department will notify you and issue a certificate of subsidy.

How to get in line and not get out of it

To obtain the status of a family in need of improved housing conditions, you need to register and wait for your turn. Every year thousands of families submit documents; in total, there are several hundred thousand participants in the waiting list throughout the country. But every year 15-20 families in the region receive housing. It turns out that the wait stretches out for several years. During this time, the spouses can get a divorce, get a house on their own, or turn 36 years old.

There are several factors that determine how long you wait in a queue:

The number of participants who are already in the queue.
Amount of financing. Each year, a different amount is allocated for program participants. This affects the speed of the queue.
Availability of new benefits. Families who have new benefits can move through the line faster. For example, more children may appear in the family, and it will become large.

The average waiting period is from 2 to 4 years. Therefore, submit your application as early as possible, immediately upon marriage, then the likelihood of becoming a participant in the program will be higher than for those spouses whose age is already close to 36 years.