“Young Family” program in 2021 - mortgage conditions

Benefits for pregnancy, childbirth and child care

There are four benefits that can be received from registration at the antenatal clinic until the child is one and a half years old.

Allowance for early registration . They pay 675.25 rubles one-time. Early registration is considered to be in a hospital or antenatal clinic when the pregnancy is up to 12 weeks.

Benefits in 2021 - at State Services

To receive the payment, you will need a certificate from the antenatal clinic or hospital and an application to the Social Insurance Fund.

Amount of maternity benefits - Federal Law 81

Maternity benefit. This benefit is also called maternity benefits - either parent can receive it.

12,392 rubles - minimum wage from January 1, 2021

They pay from 12,392 rubles monthly - this is the minimum amount, it is equal to the minimum wage. If the minimum wage in the region is higher than the standard, the benefit will also be higher.

If the parent worked, the benefit is calculated not according to the minimum wage, but according to the average official earnings, but there are restrictions: the amount cannot be more than 322,191 rubles for the entire period.

The benefit is paid for 140 days if there is one child and the birth was without complications, 194 days if there are two or more children, 156 days if the birth had complications.

Benefit for the birth of a child. You can receive 18,004 rubles one-time for each child. The benefit is received at the place of work or study, and if both parents do not work, from the social security authorities at the place of registration. The benefit may be higher if there are allowances in the region, for example northern ones.

The documents you will need are an application, a parent’s passport, a child’s birth certificate from the registry office and a certificate stating that the second parent did not receive benefits - this is taken at work or at the place of study.

Child care allowance. The amount of the benefit depends on whether the parent worked before the birth of the child. If not, they pay the minimum amount - 6,752 rubles per month. If the parent worked, the benefit is calculated according to the average official earnings, but it will not exceed 27,984 rubles. The benefit is paid until the child turns one and a half years old. You can calculate your maternity benefit, taking into account your salary, on the Social Insurance Fund website:

An example of calculating child care benefits for a child up to one and a half years old for a working parent with a salary of 70,000 rubles

If you count according to the minimum amounts, for one child from birth to one and a half years you can get:

675.25 + (12,392 × 4.6 months) + 18,004 + (6752 × 18 months) = 197,218.45 rubles.

On average, it turns out to be 10,956 rubles per month.

Maternal capital

Maternity capital is a certificate that can be spent on a mortgage, buying a home, building a house, children’s education or mother’s pension.

Starting from 2021, maternity capital is issued according to new rules. If previously only families with two or more children received it, now capital is given out for the first child:

About maternity capital - on the Pension Fund website

• 466,617 rubles - maternity capital for the first child, if he was born from January 1, 2021;
• 150,000 rubles - for the second child, if he was born from January 1, 2021. The same amount is given for subsequent children;
• 616,617 rubles - for the second child, if he was born from January 1, 2021 and the family has not previously received maternity capital for the first child.

Simply put, now a family receives maternity capital of 466,617 rubles for the first child, and 150,000 rubles for the second and subsequent children.

The amount of maternity capital - Article 6, Federal Law 256

Starting from 2021, the family does not need to go anywhere to issue a certificate for maternity capital: after registering the birth of a child, the Pension Fund issues a certificate automatically, and its electronic version can be obtained in your personal account at State Services.

Ask questions to an expert

In a conversation with our publication, trial lawyer from the Legal Bureau Vrublevsky and Partners, Mikhail Vrublevsky, answered questions regarding mortgages for a young family. First of all, we asked how the state provides support to young families who have decided to purchase an apartment with a mortgage. As the specialist noted, the mortgage rate for young families with two or more children has been repeatedly reduced. At the moment it is 8-12% and this, according to the lawyer, is not the last point of decline. He emphasized that there are also preferential mortgages for large families at 6% per annum.

Payments for children from three to seven years old

A family can receive a monthly payment for children from three to seven years old if its income per person over the last six months was less than the subsistence level.

• A family of a wife, husband and five-year-old child lives in Moscow, the wife and husband work part-time and together earn 50,000 rubles before taxes.
• Family income must be divided by the number of family members, that is, three. It turns out that the income per person per month is 16,667 rubles.
• Now the income per person must be compared with the amount from the criteria for receiving the payment. In Moscow it is 17,679 rubles. The income per family member is less, which means you can receive benefits for a child from three to seven years old.

You can calculate whether a family meets the payment criteria at the State Services of your region:

In order for a family from Moscow to receive a payment for children from three to seven years old, they need to have an income of no more than 17,679 rubles per month per person. Preliminary calculation of family income at State Services

For each child from three to seven years old, a family can receive 50% of the child’s minimum wage. For example, in Moscow, the minimum wage for children is 15,540 rubles, and the benefit is 7,770 rubles. A family can receive this money every month until its income increases or the child turns eight years old.

The benefit can be obtained through State Services. You need to submit an application, indicate income according to the list, for example, salary, alimony, other benefits, cash prizes, open a bank account and issue a “Mir” card - benefits can only be received on it.

Apply for benefits for children from three to seven years old - at State Services

Tax deduction for each child

Every month, the employer pays a tax on an employee’s salary - 13%, this tax is called personal income tax, a tax on personal income. When an employee has a child, he receives a tax deduction of 1,400 rubles every month until the child reaches adulthood. This money is not immediately given to the parent; the deduction works like this:

• The parent receives a salary of 60,000 rubles before tax. The employer pays 13% tax on this salary - 7,800 rubles per month, and the parent receives 52,200 rubles.
• The parent applies a deduction of 1,400 rubles, and the employer no longer pays tax on 60,000 rubles, but on 58,600 rubles, resulting in 7,618 rubles. The difference between taxes without a deduction and with a deduction goes to the parent. In our example, this is 182 rubles.

Both parents have the right to a tax deduction - each receives 1,400 rubles of deduction per month, together it comes out to 2,800 rubles per month. The maximum deduction amount is 350,000 rubles for the entire period.

Tax deductions for children - Article 218 of the Tax Code

If a mother or father is raising a child alone, they can receive a double deduction - 2,800 rubles per month. The more children in the family, the higher the deduction:

So a family with one child will receive 4,368 rubles per year, and with two - 8,736 rubles.

Housing subsidy under the “Young Family” program

In Russia there is a program under which families can receive a subsidy for the purchase of housing - 30 or 35% of the cost. Officially, the program has a long and complex name: “State program for providing affordable and comfortable housing and utilities,” and in short it is called the “Young Family” program.

The point of the program is that the state pays part of the cost of housing:

Resolution on the “Young Family” program

• 30% for families without children;
• 35% to families with at least one child.

The part that the state contributes does not need to be returned.

Not everyone can participate in the program; there are requirements:

• The wife and husband are officially married. It doesn’t matter how long ago they got married.
• The wife and husband are no more than 35 years old. If the husband is 25 years old and the wife is 36, you will not be able to participate in the program. If, when submitting documents for participation in the program, the wife and husband were under 35 years old, and when it was their turn, they turned 36 years old, they will not give money.
• The family needs housing. For example, he now lives in a dilapidated house or in a small apartment, the area of ​​which does not meet the standards. In Moscow, the norm for a family of two is 42 square meters, for three or more - 18 square meters per person.
• The family can pay 70 or 65% of the cost of housing. Paying the entire amount in cash or using a mortgage is suitable.

To confirm that a family needs housing, you need to register with government agencies. The procedure is different in the regions; you need to find out from the city administration or the MFC.

The subsidy amount is calculated not according to the market price of the apartment, but according to estimated standards. For example, in Moscow, according to the standard, a square meter of housing costs 90,400 rubles - the subsidy will be calculated based on this amount. If the apartment is more expensive, you will have to pay extra yourself.

Housing price standards by region

In the regions, the rules and package of documents for participation in the program differ. To find out, you need to call the city administration. Most likely you will need:

• application for participation in the program;
• passports of the husband, wife, birth certificates of children, if any;
• Marriage certificate;
• snils of all family members;
• a document confirming that the family needs housing;
• bank statement to confirm family income.

Then you need to wait until the family is included in the list of program participants. Inclusion on the list does not mean that money will be given: there are many families, and you have to wait 2–6 years for your turn.

When it comes to the family's turn, they will need to obtain a certificate. This certificate is like a certificate with which you can pay for part of the apartment. After receiving it, the family has a month to open a bank account and take it there.

Then you need to collect documents for transferring money, for example, an apartment purchase and sale agreement, a loan agreement and an extract from the Unified State Register if the family takes out a mortgage. The documents are sent to the bank, it checks them and sends them to the city administration. She checks again and, if everything is in order, transfers the money to the seller of the apartment.

The Young Family program is valid until 2025. It is not yet known whether it will be extended, so it is worth submitting documents this year, but there is no guarantee that when the family gets their turn, the program will not end.

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:

1. The number of participants who are already in the queue.
2. Amount of financing. Each year, a different amount is allocated for program participants. This affects the speed of the queue.
3. 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.

Family mortgage at a reduced rate

Another program for families with children is a mortgage at a preferential rate: 6% in Russia and 5% in the Far Eastern region. This program is open to families that:

Decree on mortgages at preferential rates

• two or more children or one child with a disability;
• the second or subsequent child was born between January 1, 2018 and December 31, 2022;
• There is a down payment of 15% of the cost of the apartment;
• the husband or wife has been employed for at least three months, or one of them has been running a break-even business for more than two years.

The program has restrictions on the cost of the apartment:

• up to 12 million rubles in Moscow, Moscow region, St. Petersburg and Leningrad region;
• up to 6 million rubles in other regions.

You can buy apartments at a reduced rate only on the primary market, that is, from developers. Some developers further reduce rates for families with children. For example, Airplane has a rate of 1% in the first two years, and then 4.7% until the end of the loan.

Family mortgage in Samolet

The list of documents for obtaining a family mortgage must be clarified with the bank. For example, at Sberbank you need to submit a passport with a registration mark, documents that confirm the borrower’s income, and birth certificates of children.

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.

Loan “State support 2020” VTB Bank, Person. No. 1000

from 4.3%

rate per year

up to 3 million

for up to 30 years

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