How can a large family get an apartment from the state in 2021: improving living conditions, how to find out the waiting list

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Large families mostly suffer from a lack of living space, especially if they have more than 2-3 children. Most often, standard modern apartments with 1-2 rooms are simply not suitable for families of 5-6 members. In such a situation, in order to improve living conditions, you can take advantage of specialized government programs. What they are, what their features are and how to become a participant - read in this article.

Housing programs for large families

There are several main programs developed by the state specifically to support large families. Each of the options proposed below has its own characteristics, advantages and disadvantages. Moreover, depending on the choice made, the speed of receiving help also changes. Let's take a closer look.

Preferential mortgage

The most common and fastest option. If a family is recognized as having many children, but is not low-income and, in fact, does not need to improve their living conditions, it can still qualify for preferential terms for mortgage lending.

As part of this program, a family can purchase a more comfortable apartment, compared to the existing one, on credit and receive more favorable conditions. Most often, they only involve lowering the interest rate. Considering the fact that the mortgage rate is already the lowest of all existing ones, an additional reduction will bring the overpayment to the lowest possible level. This greatly eases the pressure on the family budget.

The main disadvantage is that the mortgage loan will still have to be paid in full. This can take either 5 or 30 years. Help from the state in such a situation consists only of reducing the rate, but not repaying the debt instead of the client.

It should be taken into account that housing purchased on credit is issued as collateral (collateral). As a result, despite the preferential mortgage, in case of prolonged non-payment of the debt, this property may be confiscated and sold at auction.

Social housing

The most relevant option for those families who do not have their own savings, cannot purchase housing even on credit and, at the same time, are in need of improved housing conditions. Social housing is real estate that belongs to the state/municipality.

It is provided free of charge, for rent. Due to preferential utility tariffs, residents of a social apartment can relieve a serious burden from the family budget. Moreover, such real estate can be privatized, turning it into ordinary private property. The benefits will be lost, but a large family will receive ownership of the housing. The privatization procedure is also absolutely free, as is the provision of a social apartment.

Certificate for the purchase of an apartment or house

The certificate entitles you to a special social benefit, which can only be used in a strictly defined manner. For example, repay part of the loan for housing, pay for part of the apartment under the purchase and sale agreement, and so on. This option is convenient in almost all respects, but you need to take into account two main features:

Most often, the amount received under the certificate is not enough to purchase real estate. You will have to use your own funds (savings), and not everyone has them.
The waiting period for a certificate is very long. In some cases it can be even longer than the period for obtaining social housing. In some cases, you have to wait for your turn for decades.

How much money can you get with a certificate?

Those people who are going to receive a certificate have a completely logical question: what amount is required? How much money will be issued using the certificate? There is no definite answer to this question, because in each individual case an individual calculation is made, which is influenced by the following factors:

The area of the existing apartment (if the applicant owns other housing).
The required area taking into account the number of persons (family members) registered in the apartment.
Market value of 1 sq.m. living space in the region of residence.
Time spent in the queue.

The calculation itself, on the one hand, is not too complicated, on the other, it requires taking into account all the features described above.

Example: Let's assume that a family of 5 people lives in an apartment with an area of 25 sq.m. Each of them has only 5 sq.m. This is too little. According to the rules, each person must have at least 18 sq.m. In total, such a family is entitled to housing with an area of 18 * 5 = 90 sq.m. Market value of 1 sq.m. is 30 thousand rubles (the price varies greatly depending on the region of residence). Since the applicant already has his own home, the difference between the available and required area will be applied to calculate the amount of the certificate: 90-25 = 65 sq.m. The cost of an apartment with an area of 65 sq.m. will be about 2 million rubles. But the applicant does not receive the entire amount, but only a certain part, the percentage of which depends on the length of time in the queue. Let's say that the family has been waiting for their certificate for more than 10 years. As a result, they can claim 70% of the calculated cost of the apartment. In total, they will receive about 1.4 million rubles under the certificate.

Family mortgage

In 2021, the state decided to provide families in which a second or subsequent child was born after 01/01/2018 with state subsidies on mortgage rates. Such families were given the opportunity to purchase housing on credit at rates starting from 6% per annum. One of the main conditions is the purchase of housing on the primary real estate market (under a DDU agreement, assignment of rights or finished housing from a developer). In 2021, many banks are providing an even lower rate under this program. For example, Gazprombank issues mortgage loans at a rate of 4.5%, Sberbank - from 5%, Rosselkhozbank - from 4.7%.

In addition, in 2021, the Government of the Russian Federation decided to provide large families in which a third or subsequent child was born after 01/01/2019 with a sum of money to repay an existing mortgage. in 2021 this amount is 450,000 rubles. It does not matter whether the primary or secondary housing was purchased, nor does the date of receipt of the mortgage loan matter.

In 2021, the Maternity Capital program for families with two children continues to operate. After the next indexation, its amount is 466,617 rubles. The entire amount of assistance can be used to purchase or build housing, including repaying a mortgage loan.

In addition to federal maternity capital, regional authorities in some regions of the country provide regional maternity capital. Their amounts vary depending on the subject of residence. The amount can range from 50,000 rubles to 250,000 rubles. You can check with your territorial social security department or local administration about the availability of a similar program in your region.

How many children are given an apartment for?

Is it possible to get on the waiting list if the applicant has only two children? It all depends on the region of residence. In one region, such a family may already be recognized as having many children, while in another, 3 or more children are required. It is recommended to clarify this issue separately. There are other features that may affect the status of a large family:

All children must be registered in the same apartment in which their parents are registered.
The calculation takes into account both your own children and adopted children.
Family usually means parents and their children. In some cases, this may also include parents and immediate family (brothers and sisters). The rest, most often, can be recognized as family members taken into account in the calculation only by a court decision.

Which family is considered large in 2021?

The general legislation of the Russian Federation calls a large family raising three children. However, many parents encounter problems when trying to obtain preferential status and entitlement privileges; to restore justice, they often have to go to court.

The source of the problems is Decree of the President of the Russian Federation No. 431 “On measures for social support of large families,” which states that the status of a large family is established by the authorities of the constituent entities of the Russian Federation.

There are other requirements that must be met in order to qualify for subsidies:

All children must be under 18 years of age. There is an exception: if the child receives higher education, the age limit increases to 23 years. In this case, it does not matter whether the child studies on a budget or in a paid department, but the form of education plays a role - only “points” give the right to privileges.
All children must be registered with their parents. Moreover, it doesn’t matter where they actually live. For this reason, it is not advisable for a student from a large family to live in a university dormitory - then he will be issued a temporary registration and the family will be deprived of privileges.

Therefore, if the municipality determines that at least 5 children are needed for preferential status, so it will be - the norms of general legislation take on secondary importance. For the “traditional” republics of Russia, having a large number of children is in the order of things, so the bar is set higher there.

How to get free housing?

Is affordable housing provided to everyone? No, only those who can prove that they really need it. And for this to happen, certain requirements must be met.

Requirements for the applicant

Conditions that show whether the applicant is eligible to receive assistance from the state or not:

There are the following statuses: large family, low-income, needing housing. In some cases, low-income or housing need status is not required. For example, provided that the applicant’s apartment is located in a dilapidated building.
The applicant is a citizen of the Russian Federation. This requirement does not apply to all family members, but it is the applicant who must be a citizen. Foreign citizens are not entitled to such assistance. In some cases, foreign family members (for example, if the wife is a citizen of Kazakhstan, but lives with her husband in Russia) may not be taken into account in the calculation. It is recommended to clarify this point separately, since the rules may differ depending on the region of residence.
The applicant resides in the region of application for the required period. On average it is 10 years. In some areas - 15, in others - 5. It all depends on what policy the local authorities pursue.
The applicant has not previously received similar assistance from the state.
The applicant did not take any actions that could be regarded as deliberate deterioration of living conditions. This point is very important, since if such a fact actually occurred, there is a huge probability (almost 100%) that the applicant will not only be refused to consider the application, but will also be banned from participating in such government programs for a period of 5 years.

Procedure

State aid is provided approximately according to the following scheme:

Obtain all the necessary statuses (large family, low-income, needing improved housing conditions). The first status (large family) is quite easy to obtain; you just need to contact the social welfare authorities and provide all the necessary documents. Obtaining low-income status is more difficult, since you need to confirm a difficult financial condition, in which income must be at or less than the subsistence level.
Contact the MFC (My Documents) with an application for assistance. You can also contact the local administration or social security authorities, but the easiest way to do this is with the help of the MFC.
Complete a living conditions check. A special act is drawn up, which indicates whether the family really needs a new apartment or not.
Receive the decision of the state commission and register (in line).
Regularly checking your place in line to wait for help from the state.
Depending on what kind of assistance you planned to receive, take advantage of it (for example, enter into a rental agreement for social housing or use the certificate in a timely manner).

Depending on the chosen assistance option, the individual characteristics of the applicant, region of residence, and so on, additional requirements/rules may be used that may affect the instructions proposed above.

Expenses

The procedure for obtaining all the necessary statuses and assistance from the state is free. Certain costs may only arise when all required documents are completed. For example, an extract from the Unified State Register costs 300 rubles, and a power of attorney for a representative costs from 2 thousand rubles.

Deadlines

Approximate time frame for obtaining an apartment from the state:

Application review: up to 1 month.
Receiving a decision: about 3-5 days.
Waiting in line: individually.
Certificate expiration date: 3 months before contacting the bank.
The period for the certificate to be sold after contacting the bank: about 7 months. It is recommended to use this help as quickly as possible, otherwise you will have to start all over again. The best option is to find the seller of the apartment/house in advance and ask to wait. It is logical that this should be done at the last stages, when there are only a few days left before receiving the certificate.

Types of programs

The list of programs may vary depending on regional legislation. Possible options:

obtaining a social apartment;
providing subsidies for the purchase of living space;
regional support for purchasing an apartment;
allocation of land free of charge.

Information about programs, subsidies and benefits can be obtained from your local Department of Social Protection.

Important! The ability to participate in different types of programs may vary significantly depending on regional legislation.

What documents are needed?

To receive assistance from the state, you will need to prepare the following documents:

Passports of the applicant and all members of his family. For young children - birth certificate.
Extract from the house register.
Registration certificate for the apartment.
Title documents for housing (purchase and sale agreements, donations, etc.).
Extract from the Unified State Register of Real Estate (replaces the certificate of ownership).
Certificate 2-NDFL and other documents showing the financial condition of the family.
Marriage or divorce certificate.

If any documents are missing, it is not necessary to provide them. For example, if the applicant does not have his own home, it is logical that documents for the apartment do not need to be provided. The same is true for a marriage certificate, provided that the applicant has never been married.

Reasons for refusal

The grounds for making a negative decision are few. The list includes standard reasons:

incomplete package of documents;
false information;
exercising your right to state assistance earlier;
non-compliance with requirements.

If the deficiencies can be corrected, then applicants will be given time to do so, otherwise they will be refused.

You can only exercise your right to a housing subsidy once in your life. It is worth considering that inclusion in the queue for financial payments from the state automatically excludes the family from the lists for housing for social rent.

How to find out the queue?

Purchasing an apartment is already a difficult task, and it becomes even more complicated when the potential buyer simply does not know whether he will receive a certificate for the purchase of housing this month or in six months. This and some others are why you need to check the queue. Other reasons:

You can roughly imagine when it will be the applicant’s turn based on traffic analysis.
Checking for dequeueing. If for some reason the applicant is expelled, he has only 3 months to prove his case and be reinstated. And notice of exclusion may arrive with serious delay.
Check first. The closer the applicant comes to receiving the certificate, the more often the verification must be carried out. Otherwise, you may miss the deadline for issuing the certificate and not have time to use it within the required three months.

There are two main ways to check the queue:

Through the Internet . The most convenient option. In many localities, on the website of the local administration, governor, social security authorities, and so on, a service can be added that allows you to view your position in the queue based on your account number (issued along with the decision to register).
Personally . If the previous method is not available for some reason, you can personally contact the MFC (My Documents), the local administration, and so on. You will have to write an application and wait for a response, but eventually the applicant will be informed of his position in the queue.

Regional support

Regional legislation provides for additional payments to provide living space for citizens with many children.

One of the popular payments is governor's capital. It is issued at the birth of 3 and subsequent children, depending on the regulations of the region. Most entities provide for the possibility of using capital funds:

to buy an apartment;
for construction;
for a down payment on a mortgage;
to pay off a mortgage loan.

Important! The possibility of obtaining capital is not provided for by all entities. The amount varies from 5 thousand rubles. up to 300 thousand rubles.

Benefits for improving living conditions

All current benefits for improving housing conditions:

Certificate. Allowance for the purchase of housing, which was described in sufficient detail in this article.
Social housing.
Preferential mortgage.
Benefits for construction. Through this government assistance, you can receive a substantial amount of money, which can only be spent on the construction of a private house. This is also documented in a separate certificate. Depending on the region, the certificate can cover from 30 to 70% of the cost of housing.
Land from the state. Instead of certificates and other similar assistance, you can obtain ownership of a land plot. Its area depends on the region of location. It should be taken into account that most often the land given out is not the most successful, or located at a considerable distance from civilization.
Maternal capital. The program is especially relevant for large families. For the second and each subsequent child, the state pays a substantial amount, which can also be used both to purchase housing and to pay off the loan debt for an apartment/house. This program also stands out because such assistance is provided very quickly; you don’t have to wait for years for your money.

The state provides active support to large families, but due to the dominance of bureaucratic procedures, it can be quite difficult to get help. At a free consultation, experienced lawyers will talk about the main features and important points that need to be taken into account. They can also represent the interests of the client, acting as his proxies both when filing applications and in court, if it comes to it.

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Author of the article

Natalya Fomicheva

Website expert lawyer. 10 years of experience. Inheritance matters. Family disputes. Housing and land law.

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Subsidy

A married couple has the right to apply to a local government body to be put on a waiting list to receive a share of the funds for the purchase of an apartment. Specialists enter the applicants’ data into the register and create a list for receiving subsidies.

The program involves the allocation of funds for the purchase of housing. The payment amount ranges from 30 to 50% of the total cost of the premises. Funds are allocated from the regional budget, so the waiting period may take a long time.

At the same time, if applicants for living space meet the conditions of the state program “Housing” for young couples, it is advisable to use this option.

The program is provided from the state budget. Large families are subject to extraordinary support. The recipient is allocated from 25 to 35% of the price of the apartment.

What kind of housing can a large family count on?

Moms and dads with a large number of children may be provided with subsidies for the purchase or construction of real estate.

Social housing for parents with many children is provided as a special certificate. Financial resources are transferred precisely on the basis of such a document.

The family can spend this money only on the purchase of residential real estate or on its construction.

The amount of subsidy allocated to a large family can cover a maximum of 90% of the cost of housing due

It is important to understand that the money issued by the administration may not be enough to change living conditions for the better. Therefore, it is better to collect money in advance, which will later be useful in purchasing a large living space.

The subsidy amount is provided up to ninety percent of the value of the property. The area norm is determined for each family member and ranges from ten to fifteen square meters, depending on the area.

A family can purchase a home from the city at a price lower than the market price, paying for part of the property through a mortgage.

Such a family is compensated for part of the expenses associated with paying for the rental of real estate. The amount of compensation may be fifty percent of the average market rental price.

Suitable housing for large families may be provided from city real estate. Such a transaction is formalized by a social tenancy agreement. In the future, such property may be subject to privatization.

Since residential real estate programs operate in parallel, the question usually arises of whether to choose social housing or a plot of land.

How long might it take to get an apartment?

The documents mentioned above must be submitted to the local authority. After thirty days, she will make a final decision regarding placement on the queue.

If the family, in the opinion of the administration, fits into the framework of social programs, its application is approved and its number is assigned to it.

Everything that can be done has been done; all that remains is to languish in anticipation. At the same time, once every twelve months you need to ask the administration how the queue has progressed, and re-register accordingly.

The exact timing of obtaining an apartment for a large family has not been established.

The legislation does not establish deadlines for the provision of apartments. And therefore, you will most likely have to wait a very long time.

In many areas, the administration has the ability to provide temporary housing. While the family is on the waiting list or the youngest child is not sixteen years old, you can live in it with full rights.

The advantage of such housing will be low rent, and possibly free of charge. It all depends on the decision of the local administration.

It is better to inquire about local legislation on this topic.

Real estate for parents with a large number of children is, of course, good, but it’s not always possible to wait for it.

Expert opinion

Valiullova Antonina

Expert of the site pravozhil.com

Land plot

A married couple can submit documents to receive a plot of land. Its provision is regulated by federal law. To do this, you must submit an application for the allocation of land to the local government body.

The specifics of providing a site differ in accordance with regional regulations. Provision is carried out in order of priority.

The land plot must be intended for housing construction. Within 3 years from the date of receipt, the family is obliged to begin construction of a residential building.

State and regional regulations provide various options for improving living conditions for citizens with many children. They include the allocation of funds, the provision of social housing and land for construction. To be able to participate in the programs, a couple must confirm their status as having many children and register as those in need of an apartment.

2.3 / 5 ( 3 voices)

What assistance from the state can large families count on?

Regarding the issue of real estate, such families have two options:

Receive a subsidy that can only be applied to the expansion of a residential premises. If a family has its own property, it can sell it, add a government subsidy to it and expand its living area by buying an apartment. But in our harsh times, much depends not only on the market value of real estate, but also on the generosity of the authorities.
It is possible to obtain social housing for large families by concluding a special agreement.

If you can get a mortgage, your dreams of owning your own apartment will quickly turn into reality. Moreover, for persons with many children, this type of loan is provided without interest for use.

Before you think about how a large family can get an apartment from the state, you should first learn in detail about all the social programs in the region in order to make the right choice.