Subsidy program
Russia has programs that provide subsidies for citizens who do not have housing or need to improve it.
These programs allow you to obtain living space for free, under a social rental agreement, or provide funds to pay part of the cost of housing. Assistance is provided to offset construction or housing costs. In addition, a number of regions of the country provide programs for people with disabilities, under which they can be provided with one-time payments for the purchase of housing. Such programs operate in the Primorsky Territory, Perm Territory and a number of other regions. Most often, the recipients of such payments are not just disabled people, but disabled combat veterans, combat veterans and family members of deceased disabled and combat veterans. This significantly reduces the number of applicants for benefits. Other disabled people have the right to count on state support on a general basis, as those in need of improved housing conditions.
It should be noted that disabled people suffering from severe forms of chronic diseases can take advantage of the priority queue. The list of such diseases is clearly regulated by federal legislation.
Download for viewing and printing:
Law of the Primorsky Territory “On providing housing for veterans, disabled people and families with disabled children in the territory of the Primorsky Territory”
The program allows Russian citizens with disabilities:
- buy an apartment;
- improve living conditions;
The priority for disabled people in 2021 is as follows:
- local government bodies;
- an enterprise or institution that has housing (at the place of work). People who have lost their ability to work are given the opportunity to be in two queues at the same time.
Important! Cash benefits are provided once in a row (from the beginning of registration), if there is a real need for help.
How much will be compensated?
Only part of the costs is eligible for compensation. The remaining funds will need to be provided to the family, for which people will have to use personal savings or take out a loan.
For city residents, the maximum subsidy amount is 30-40% , for rural residents - 70% of the cost of a private house.
The amount is calculated by calculating % of the cost and quantity of m2. These indicators are different for each region of the Russian Federation.
If a family has no housing at all or is in a dilapidated building, then housing committee employees have the right to set the amount of compensation at 100% of the cost of the building. In order to exercise the right to full compensation, additional documentation must be provided to employees. You should find out exactly what you need to provide from the local administrative authorities at your registration address.
Conditions for providing benefits
Housing subsidies, both on a general basis and for people with disabilities, are provided upon receipt of funds from the federal treasury and compliance with the queue.
It is valid for six months, during which time you need to find and buy an apartment. Finances are transferred in non-cash form to the property owner. There is a time priority factor:
- Persons registered before 2005 have the opportunity to receive money from special resources of the territories of the Russian Federation.
- People registered after the specified time enjoy the right to purchase an apartment in turn, depending on the date of registration.
Important!
The number of beneficiaries who will have their housing needs met during 2021 is determined as follows: the total amount of money received by the territory is divided by the amount of assistance per person registered. Features of the allocation of housing subsidies:
- The law does not provide for the provision of square meters at the expense of state money to relatives living with the beneficiary and who do not have this privilege. This condition is met when participating in a special program for people with disabilities. If a family applies for improved housing conditions on a general basis, the payment amount is calculated for all family members;
- cohabitation of people with disabilities gives each of them the right to receive a housing subsidy;
- the presence of disabled children extends the privilege to all family members;
- existence of standards - on average 18 sq.m. are allocated across regions. meters per person;
Important: the exact payment amount is calculated by local authorities at the time of issuing the Certificate (the average market value per square meter in the region is taken into account).
Basic information
Domestic legislation identifies criteria for the statuses of “large families” and “needs” of a family.
- A large family has 3 or more children. A number of regions set a different “bar” – 4-5 minors. If a child is studying full-time at a university and lives with his parents after the age of 18, then he is a dependent until the age of 23, that is, he is taken into account when calculating the total number of children. The status of a large family is also assigned to that family if it is incomplete.
- Each member of a needy family has an area of 10 m2. The housing is officially in disrepair and does not meet the sanitary and technical requirements established in the region. A family lives in the same area together with a person who has been diagnosed with a dangerous infectious disease.
If the family has moved and is currently living at a different address, then people will need to once again submit documentation to social security employees in order to get in line for improved living conditions.
How to get housing benefit
Disabled persons are recognized as not provided with living space under the following conditions:
- the size of housing is below the established standards per person;
- non-compliance of living space with established requirements for sanitation and technical characteristics;
- living in an apartment of several families, among whom there are people with severe chronic diseases, their presence poses a health hazard;
- complete lack of housing;
The amount of the benefit is calculated using the formula: the average price per square meter in the region is multiplied by the standard living area (18 sq.m.). The market price of housing is approved every quarter by regional authorities.
Important! The exact figure is determined by the time the document was issued.
List of documents for receiving a subsidy
Payment of subsidies to disabled people occurs subject to certain documentation.
The package of documents is approved by regional authorities, so it may differ depending on the region of residence. Most often it includes the following:
- an official application for registration for an apartment;
- documents confirming the need for improved housing conditions;
- certificates from ITU confirming the assignment of a disability category;
- personal bank account;
- information from the house register.
To receive a subsidy for improving housing conditions on a general basis, you must provide the following package of documents:
- Passports of all family members;
- Birth certificates of children;
- Documents confirming family membership (marriage certificates, paternity certificates, name change certificates, etc.).
- Documents of ownership or confirming the right to use residential premises;
- Documents confirming family income;
- Documents confirming the grounds for recognition as needing improved housing conditions.
Transfer of assistance
If all stages of receiving a subsidy have been completed and a positive decision has been made to allocate it, the applicant will be issued a Certificate within ten days indicating the amount of assistance and its purpose.
When the Certificate is received, we can consider that half the path to finding your home has been completed - all that remains is to properly use the money and report expenses to the state
You need to contact a specific bank participating in the state program with this document. True, there are some nuances in different types of payments. Targeted subsidy
An account will be opened in the bank in the name of the recipient of the Certificate. The subsidy will go to him in full, but he will not be able to cash out the funds.
Important! Targeted assistance is allocated before construction begins. On the one hand, it is convenient, as it allows you to solve quite a lot of problems. However, do not forget that its recipient takes responsibility and the obligation to account for the money to the state.
These funds can be transferred “by bank transfer” to the contracting organization that will build the house. In order for money to be freely transferred to builders, it is necessary to submit to the bank the agreement concluded with them, as well as other documents related to construction. More detailed information about the documents to be provided can be obtained from bank employees, and you should strictly follow the instructions given by the bank. Budgetary funds are strictly controlled.
The state controls exactly how citizens spend funds
Compensation payments
Compensation to the developer for the built house is also transferred to his current account after the following papers are provided to the commission:
- original and copy of the cadastral passport for the constructed residential building;
- a copy of the contract with the construction contractor, as well as certificates of form KS-2 and KS-3 - these documents are provided if a contractor was involved in the construction of the house;
- copies of “payments” from the contractor - they will confirm the expenses incurred for the construction of the house for which subsidies are allocated.
You must provide certain documents to receive compensation
Note! Receiving a refund of part of the money spent on the house would seem to be the best option. However, in this case, it is necessary to take into account and strictly comply with all construction regulations and standards established by the program, that is, the developer is deprived of freedom of action in the size of the area and other design nuances.
Financial support for disabled people
In addition to receiving a housing subsidy, people with disabilities can count on improved housing conditions by concluding a social rental agreement.
Recognition of a citizen as needing improved housing conditions is the basis for concluding the above-mentioned agreement. By law, disabled people must be provided with specially equipped living quarters. Special housing is retained for them for six months when placed in a social service organization. Benefits for disabled people of groups 1, 2, 3, families with disabled children, in addition to the allocation of an apartment, additionally require compensation for the payment of utilities and living quarters. The amount of compensation is 50% of the established fee. Disabled people of groups 1 and 2, disabled children and families with disabled children are provided with compensation in the amount of 50% to pay fees for major repairs.
Disabled people of groups 1 and 2, people with disabilities since childhood and disabled children are given a tax benefit when paying property taxes; to exercise this privilege, you should contact the tax service with a disability certificate and an ITU conclusion.
Important! Disabled people assigned to Group I are given the right to receive a housing subsidy out of turn. If they are unable to prepare the documents themselves, they can enlist the support of a trusted person. When allocating space for living, the recommendations of doctors and the patient’s rehabilitation program should be taken into account.
The apartment must be allocated near medical institutions or the place of residence of guardians. The list of diseases that gives such rights is approved by the government.
Having a severe form of chronic illness allows you to get an apartment larger than the established standards (no more than 2 times).
Features of state support for disabled people of the first group
- The purchase of housing for an amount exceeding financial assistance is paid for with one’s own funds.
- Housing for citizens with disabilities is equipped with special means and devices in accordance with the rehabilitation program for the disabled.
Important! The disability group has no influence when determining priority in receiving a housing subsidy. Any disabled person can exercise this right.
This category of citizens can count on their own plots of land for individual housing construction, gardening and farming.
So, to register for a housing subsidy, people with disabilities submit a written request to the executive authorities (attaching documents justifying your rights). Wrongful refusal is grounds for filing a lawsuit.
Advice! If you have to face a refusal, you should contact the ESHF. This Fund helps disabled people get the desired benefits without charging any fees.
How to draw up a business plan so that it is approved by the employment center
The most difficult thing when preparing a set of papers is creating a business plan.
You can contact specialists, they will make a business plan in 2–3 days, the cost of their services starts from 15,000 rubles. But it is much more profitable and useful to develop a business plan yourself.
Most employment centers hold consultations on drawing up a business plan 2–4 times a month, where they talk in detail about what to write in it and what needs to be done to make the commission like it.
The optimal volume of a business plan is 60–80 pages, with a title page, 9 sections and appendices.
Title page
On the first page of the business plan, indicate the type of activity of the project, the author, the planned organizational and legal form of activity, the city and year of the document.
Summary
The main task of this section is to interest the reader and form a first impression about the project. Explain the idea of the business and talk about its advantages. Prove that your business is viable and socially significant. Provide the main financial indicators of the project. This part is easier to write last.
Business project goals
In this chapter, tell us about the goals of the project and briefly describe its technological features. Show that the product or service will be unique. It is not necessary to come up with something innovative - you can improve production or improve the quality of existing products.
Market situation analysis
In this section, tell us about the market situation, analyze your competitors, and indicate the expected volumes of consumption of goods or services.
Production plan
Tell us about the organization of the production process, if necessary. Describe the methods of purchasing raw materials, equipment and materials, the policy of interaction with suppliers, the mechanism for creating jobs.
Marketing plan
At this point, analyze the target audience, formulate a pricing policy and a marketing plan to attract customers.
Organizational plan
In this section, describe the hierarchy of employees in the company, paying attention to laws and regulations that may affect the business. Don’t forget about licenses and patents, quality certification and product compliance with established standards.
Pay attention to how and when permission to erect buildings and connect to infrastructure will be obtained, tell us about the status of the land plots and their suitability for their intended purpose.
Financial plan
Estimate how much money will need to be invested in the project, calculate the amount of overhead costs, predict the potential profit, profitability and payback period of the project. Describe in detail how you plan to spend the subsidy. It is best to indicate expense items such as the purchase of raw materials, licenses and software. The commission must understand that not a single ruble will be spent in vain.
Risk analysis
This paragraph discusses possible risks that may have a negative impact on the company’s activities: from crop failure and damage to raw materials to the development of bills regulating or limiting the company’s activities.
Consider as many factors as possible that negatively affect the project and develop measures to combat and neutralize risks. This way you can convince the commission that your intentions are serious.
If something happens in the future, you won’t panic: you’ll have a ready-made action plan in hand. There is no need to go to extremes and describe earthquakes and tsunamis as risks (unless you plan to do business in seismically active areas).
Applications
This is an optional section, but it is better to do it to prove the accuracy of the information provided. Place here sample contracts and price lists of possible suppliers, photographs of finished products or floor plans of the premises where your production, office, or workshop will be located. Any information that shows that the business idea has actually been worked out and not taken out of thin air will do.
The content of sections of the business plan may vary. Check with your employment center for a complete list of requirements for a business plan.
You can quickly create a business plan and simulate various project development scenarios using programs such as Project Expert, Business Plan or COMFAR.
Modeling a project using the Project Expert program
Read the article about how to create a financial plan for the year, and the story about how Igor wrote a business plan to open a coffee shop.
It is better to draw up a business plan personally - it is more economical and useful than entrusting it to someone else. In the process of working on it, nuances of business processes are often revealed that had not previously occurred to them.
Let's sum it up
The state allocates funds for the construction of private houses intended for large families. Parents who are citizens of the Russian Federation and have at least 3 minor children can take advantage of state assistance. Funds are transferred to construction companies or provided as compensation for expenses (if the owner of an already built house wants to receive a share of the funds spent by him personally).
To receive a subsidy, the family will need to go to the district administration and submit an application along with the necessary documentation.
If certificate holders spent funds on personal needs or did not report on construction in a timely manner, they will face certain punishment.
Additional nuances
1. The certificate holder will have to provide timely reports on the money spent and on what stage the construction of a private house is currently at.
2. The certificate must be used within 6 months. If the deadline is missed, you will have to collect documents again and submit them for review while waiting your turn.
3. In 6 months, the house should be 2/3 built. The certificate holder submits a report to the administration twice. 1 month after the money is transferred, you will need to inform the administrative authorities about the first results of the targeted spending of money, providing receipts and checks for the purchase of building materials, contracts with construction companies, and design documentation. After completion of construction work, the administration must submit a housing cadastral passport.
4. If the family spent the money on personal needs or did not provide reports on time, then the funds transferred to them will be returned to the state. People also run the risk of receiving administrative fines or, in severe cases, the initiation of criminal proceedings.
5. There are certain differences between regional programs. A large family in the Moscow region can receive a 100% subsidy for construction. In the Leningrad region, land plots are provided free of charge. Also, large families in St. Petersburg can take advantage of preferential loans with a debt repayment period of up to 25 years.
