Providing housing for large families

ATTENTION!!!

In accordance with paragraph 3 of the resolution of the Vladimir city administration dated March 15, 2020 No. 558 “On the introduction of a high-alert regime,”
the provision of state, municipal and other services in the premises of local government bodies of the city of Vladimir is carried out by appointment in compliance with all restrictions established in the territory of the Vladimir region (compliance with the mask regime and minimum social distance).

Subsidies for housing

To improve the quality of life for families raising three or more children, the state is ready to provide subsidies for the purchase of housing. Some families who do not want to stand in line for a social apartment simply apply for a subsidy for its purchase.
To participate in the housing subsidy program, young families should also contact the local administration and collect a package of necessary documents, which can be clarified there. After submitting documents and approval of the candidacy, the family will be put in line to receive a subsidy.

Attention! The funds transferred to the account must be spent only on improving living conditions. Spending money on other needs is prohibited.

For the listed amount you can buy housing on the secondary or primary real estate market. The state does not limit the choice of apartment options.

This means that about 30% of housing costs will be paid by the state, and the rest will be paid by the family.

It doesn’t matter what funds she uses, they may include:

maternal capital;
accumulated funds;
loan processing, etc.

At the same time, many banks cooperate with developers and can provide loans on favorable terms so that they can improve their housing condition. This program is called preferential mortgage.

Attention! Parents with three or more children may be provided with benefits at both the federal and regional levels.

In some regions of the Russian Federation, the government provides such families with fairly extensive conditions to make it easier for them to obtain housing. To know exactly how to get an apartment for a family with many children in the region where you live, you should seek help from the regulations of the area where you live.

For example, from the end of 2021 in Moscow there are new benefits for large families, as well as for persons raising disabled children. Those registered as needing housing with many children (with 3 or more children), as well as those raising disabled children, will have 30% of the cost of housing purchased from the city written off.

These subsidies and benefits provided by the state are designed to help improve the living conditions of large families throughout Russia. You must immediately get on the waiting list for housing and do not hesitate to ask for financial assistance from the state.

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.

What benefits are available to families with many children?

In 2021, no new laws and regulations were adopted to regulate benefits and other assistance in providing housing for such families. The most changes occurred in 2021, when new benefits and subsidies were introduced. The legislation of the Russian Federation provides for the provision of benefits to them to improve their living conditions.
Benefits for such families in the housing and communal services structure include:

Social housing. It can be issued to a family recognized as in need of improved housing conditions, whose members have Russian citizenship. In addition, family members must not own another residential premises or it does not meet the requirements established by law, or is less than the accounting standard for housing area for each family member. Also, a family can receive housing under a social rental agreement if a patient suffering from a severe form of a chronic disease lives with him, in which living together with him in the same apartment is impossible.

To receive housing, you need to stand in line, or present documents confirming the right to priority provision of housing (if the housing is unsuitable for living and cannot be repaired or reconstructed, or if one of the family members suffers from a severe form of a chronic disease.

Important! In cases where living conditions are poor and do not comply with the rules established for one person (according to the area of the apartment), they can also apply for housing under social rent.

Housing benefits for large young families for the purchase of an apartment or other residential premises. Any such family that legally has this status is entitled to a subsidy for the purchase of residential premises. They are given from 30 to 50% of the cost of the selected property, and they must pay the rest themselves. The issuance of subsidies to young families is regulated by regional legislation; the procedure for advancing the queue and the list of required documents should be clarified with the local administration.

Advice! One of the conditions for participation in such a housing subsidy program is their automatic removal from the queue for a social apartment.

Free land. A plot of land can be allocated both for the construction of a private house and for gardening. A plot of land can be issued only once and in the region where the persons live. This program is also administered by regional authorities. Local laws determine the size of the land plot and possible alternatives, such as monetary compensation.

Important!
With the introduction by the President of Russia of amendments to the Land Code of the Russian Federation on March 1, 2015, a free plot of land, at the request of individuals, can be replaced by an apartment. These are all the main opportunities for how a large family can get an apartment in Russia in 2021.

Download for viewing and printing:

Land Code of the Russian Federation dated 10/25/2001 N 136 FZ

Getting social housing

How to get an apartment for a large family, what needs to be done for this? First, you need to secure the status of a large family for your family.

How to obtain the status of a large family

Decree of the President of the Russian Federation No. 451 of May 5, 1992 “On measures of social support for large families” leaves the right to determine the categories of families to be classified as large families to the regions of the country.
The conditions for obtaining such status are the same in most regions:

Children who are taken into account when issuing a certificate must be no older than 18 years old (16 years old in some regions).

An exception may be a situation when the child is not yet 23 years old (in some regions 18 years old), and he is studying full-time at a higher educational institution, and also continues to live with his parents.

There must be three children. In some regions of Russia, a family with four children can be recognized as having many children.

Attention! You can find out how many children are needed to receive social housing specifically for your region from the district administration.

Children must live with their parents. At the same time, they can actually live in another place, but they are registered and must be in the same living space as their parents.

In accordance with Art. 49 of the Housing Code of Russia, low-income families with three or more children can apply for social housing from the state. To do this, you need to obtain the status of a large family and collect a package of documents to submit it to the appropriate authority in a particular region.

Download for viewing and printing:

Housing Code of the Russian Federation

Decree of the President of the Russian Federation of May 5, 1992 N 431 “On measures for social support of large families”

Where to apply for status registration

To do this you need:

contact the territorial department of social protection;
write an application requesting recognition of a family with many children;
submit the necessary package of documents regulated by local laws (as a rule, these are birth certificates of children, passports of parents and a certificate of family composition).

It is also necessary to confirm the fact that the family is low-income and needs improved housing conditions. To do this, you will need to contact the social security department with documents confirming the fact of income no more than the subsistence level established in the given region for each family member. In this case, she is recognized as poor. To register as a family in need of housing, you should contact your local administration.

Download for viewing and printing:

Application for the issuance of a certificate determining the status of a large family in need of additional measures of social support

Application form for recognition of a large family in need of residential premises

List of documents for queuing

Before going to the municipal authority of your region, you need to prepare a certain package of documents. These include:

a certificate confirming the status of a large family;
certificate confirming that the family has acquired low-income status;
applicant's passport;
birth certificates of all children who live with the applicant;
a document for the living space that is owned;
certificate of family composition (taken from the passport office);
certificates declaring housing unfit for habitation;
documents stating that the family lives in the same premises with a person suffering from a severe form of a chronic disease;
documents confirming the lack of housing ownership;
documents confirming benefits for priority receipt of housing.

Attention!
In addition to the above list of documents, the person will need to write a statement that his family needs improved housing conditions. Due to the fact that each case is individual, the authorities of the service to which the application is submitted may require additional documents. They can request some of them themselves from other services, but others can be asked to be brought by the applicant himself. To avoid delaying the registration process, it is better to find out in advance from the municipality exactly what list of papers you need to bring.

Getting housing

All documentation is submitted to the local municipality authority. Within a month from the date of their submission, employees make their decision on consent or refusal to be placed in the queue for housing. If the application receives a positive response, the family is automatically placed on a waiting list for housing.

What documents are needed

The main list looks like this:

Passports of the borrower and co-borrower;
Passports or birth certificates of children;
Adoption documents or notarized proof of paternity or maternity;
Purchase and sale or equity participation agreement;
Application for payment of maternity capital or housing certificate;
Loan agreement and original loan agreement (in case of refinancing).

Yes, collecting the necessary documents is a rather tedious task. But this must be done with meticulous accuracy. Scrupulousness in banking matters will help to avoid problems associated with incorrect preparation of documents.

Remember: one untimely mistake can lead to you having to rewrite everything again or, in the worst case, you may be rejected and have to look for another bank.

Apartment for a large family: how to get help paying off a mortgage for people with many children

Only reliable banks

The main condition for receiving 450 thousand rubles is that the purchase of housing with a mortgage must be official, with state registration, emphasizes lawyer Natalya Tarasova.
“Problems can arise if you use the services of dubious companies that do not process the transaction correctly,” she says. Tatyana Reshetnikova adds that in practice she has encountered situations where clients’ mortgages were issued not through a bank, but through a credit cooperative - in this case, payment will also be refused.

Correct purpose of loan

Even if you received a loan from a reliable bank, errors may occur at the stage of drawing up a mortgage agreement, namely in the formulation of the purpose of the loan, so it is important to approach this stage with the utmost care.

“If the purpose of the loan is not clearly stated, most likely the family may face a refusal on a formal basis,” explains Ivan Solovyov, Honored Lawyer of Russia, Chairman of the Law Firm. As he notes, literally the goal should sound like this - the acquisition of a property: an apartment (house) located at such and such an address.

According to Solovyov, it is necessary to ensure that the mortgage agreement indicates the exact address of the property, as well as the agreement under which the property is purchased. Such a basis agreement can be a purchase and sale agreement, an agreement for participation in shared construction (DDU) or an agreement on the assignment of rights of claims under the DDU. According to other forms of documents (for example, a preliminary agreement, a contract for the purchase and sale of future real estate), a payment of 450 thousand rubles cannot be received.

Thus, the purpose of the loan may be the purchase of finished housing on the secondary market, including a private house, housing under construction on the market of new buildings and land for individual housing construction, as well as refinancing a mortgage loan provided by another bank for the above purposes, notes managing partner Maria Litinetskaya.

“It is important that the goal be exactly this; there should not be any additional things in the goal,” emphasized the group’s development director, Konstantin Barsukov.

Land for residential use only, apartments not accepted

For example, support will not be provided for a plot of land on which a residential building cannot be built. This applies to land for personal farming, for agricultural purposes or other purposes, Barsukov added.

The support program is aimed exclusively at improving the living conditions of large families, so payment will also be refused if one mortgage agreement, in addition to an apartment, includes non-residential premises, for example a parking space. “Because the state will not differentiate which part of the loan is aimed at residential real estate and which – non-residential,” explains the expert.

For the same reason, it will not be possible to use 450 thousand rubles to pay off the mortgage taken on the apartment. Since currently, by law, they are not considered residential premises, notes Chairman of the Board of Directors Irina Dobrokhotova.