Subsidy for the purchase of housing for large families 2020: how to get benefits when buying an apartment 2020, can the state pay for the apartment and what social benefits are there?

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 families are officially classified as having many children?

Each region of Russia has its own criteria for classifying families as large. So, in Moscow, for example, a family with many children is recognized in which three or more children were born and are raising (including adopted children, as well as stepchildren and stepchildren) until the youngest of them reaches the age of 16 years. If one of the children in the family is a student, then such a family is considered to have many children until the child reaches 18 years of age.

At the same time, the composition of a large family does not take into account deceased children, children who are fully supported by the state, and children in respect of whom their parents were deprived of parental rights or whose parental rights were limited, as well as children from foster families.

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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.

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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).

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.

Reasons for obtaining housing

There are certain conditions, without which a large family does not have the right to receive benefits and assistance from the state. Among them are:

Family income. This factor has a regional status, since each region has its own cost of living. If the income of each parent is below a certain level, the family is assigned low-income status, which means that it cannot independently solve the housing problem and improve existing conditions. Appropriate assistance is then provided.
Current living conditions. When considering the conditions in which a family lives, the number of square meters allocated per person is taken into account. If it is below the minimum, then the improvement process begins.

To obtain the status of a low-income family, you need to collect a package of documents. If it is not provided, housing conditions will not be improved. It should be noted that the law does not regulate the timing of obtaining living space, so in some cases a family may be provided with temporary accommodation at a low rent.

How to get housing faster?

Since such a process can take more than five years, there are cases that allow you to obtain the area faster. In some situations, the family will be provided with a construction loan on preferential terms with the possibility of using government discounts and other concessions. In this case, the construction of a residential building or apartment will depend solely on the actions of the parents.

Often, a loan can pay off up to 95% of the cost of future housing. Exceeding the area standards for each individual member is paid individually. Lending can only be provided for standard houses, which should be taken into account when determining the cost of one square meter.

It should be noted that in the case of self-building a house or purchasing an apartment, the state may provide financial value regardless of the applicant's wealth. It is at least fifty subsistence minimums established in the region in which the status is registered.

Land plot

In 2020, only those large families with more than three children and whose income does not reach the subsistence level can apply for a plot of land. This is due to the lack of suitable land that can be divided free of charge.

To obtain a land plot, you must fulfill the following requirements and provide certain documents:

there are more than three children in the family who have not reached the age of majority, or there are students under twenty-three years of age;
registration and residence of the entire family in a specific region for five years;
marriage certificate (otherwise, only the parent who lives with the children and provides for them can apply for assistance);
all family members must be citizens of the country;
not have any other land plots in the country.

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Important nuances

To obtain the status of a large family, you should collect the following package of documents:

ID card for each family member (birth certificate, passport);
certificate of marriage, its dissolution, certificate of the deceased spouse, etc.;
an extract from the house register confirming the fact that all minor children live in the same place with their parents;
financial documents that indicate the presence of official income and its level.

When re-applying to establish the status of a large family, parents have an increased chance of expediting registration.

It should be noted that improvement of housing conditions can take more than five years as applicants get on a waiting list. This process often drags on for a long time; children grow up and reach adulthood. But in this case, it is not their age that plays a role, but the time they applied for housing, the documents collected at that time and the current status of a large family.

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.

Getting status

Large families are entitled to a number of benefits. Some of them are guaranteed by federal legislation, but are provided by the regions. The right to receive government assistance does not automatically arise upon the birth of a third child. To do this, you need to contact social security to establish your status.

One of the parents or the only parent provides the following package of documents:

parents' civil passports;
civil passports (if available) and birth certificates of all children;
photos of mom and dad (3X4);
marriage registration document;
information about the appointment of guardianship or the creation of a foster family;
certificates from an educational institution (if in the region children over 16 years of age are included in a large family);
extract from the house register;
additional information (document on the death of the second parent, alimony agreement).

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The result of consideration of the application is the issuance of a certificate. From this moment on, a married couple can apply for benefits.

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.

Controversial issues

Although there is a general package of documents that must be presented to local authorities, this may not be enough.
You must understand that officials have the right to demand additional papers. In this case, the applicant is obliged to provide them.

It turns out that if a family wants to purchase housing using government support, it must meet certain conditions. The main ones are that the family has many children, needs housing, and also has low-income status. The amount of assistance provided depends on various indicators, which include the applicant’s region of residence. The housing subsidy is paid on the basis of laws and other acts adopted by the region.

If the money is not used within six months, the opportunity will be lost, and the entire long journey, starting with registering a large family, will have to be completed again. But the banking institution where the money will be stored will not issue it in cash. Money is transferred only on the basis of a concluded agreement: purchase and sale, provision of construction services, purchase of building materials, and so on.

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.

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How can families with many children receive housing payments?

What is compensation payment for housing for large families?

In Russia, according to the Land Code, large families have the right to receive a plot of land for housing construction. Since this is not possible in all subjects of the Federation, the provision of land can be replaced by another support measure. In Moscow, this is a compensation payment for the acquisition or construction of residential premises in exchange for the provision of a land plot for free ownership.

Which families can count on the payment?

Large families living in Moscow and having three or more minor children who:

are registered as needing improved housing conditions (registered before March 1, 2005);
are registered as needing housing (they were recognized as low-income and registered for housing after March 1, 2005).

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Please note: large families that registered for housing before March 1, 2005 can also count on benefits when receiving subsidies for the purchase or construction of housing and benefits when purchasing housing using a social mortgage.

During the 5 years before submitting an application for compensation, the family must not commit actions that lead to a deterioration in living conditions.

What is the amount of housing payments for large families?

Large families can count on compensation in the amount of the standard cost of housing. It is calculated as follows. The average market value of one square meter of housing area in large-panel houses of standard series is multiplied by the average living area, based on the following standards:

85 square meters for a family of four;
18 square meters for each member of a family of five or more people.

At the same time, if you or your family members have the right to independently use residential premises or part of residential premises, its size is deducted from the provision rate.

If the size of the purchased housing exceeds the standards, the family has the right to pay extra for the extra square meters using its own or borrowed funds, and can also use maternity capital.

What can you spend it on?

The compensation payment can be spent:

for the purchase of a separate apartment or residential building with a high degree of technical readiness (more than 70%) under a share participation agreement in construction;
for the purchase of a separate apartment (residential building) on the real estate market;
to purchase a vacated room in a communal apartment in addition to your own. The condition is that as a result of the buyout, each family member must have at least 18 square meters of housing.

The compensation payment cannot be spent on housing:

does not meet the standards of improvement in Moscow;
being under arrest, burdened with someone's rights to reside in it;
for which the seller does not have the necessary documents for state registration of the contract and transfer of ownership.

What requirements must housing meet?

You can buy housing in any region of Russia (not necessarily in Moscow).

The total size of the living space you purchase must not be less than the provision norm - 18 square meters for each person indicated in the registration file. In exceptional cases, it is possible to purchase housing of a smaller area, but then the family must submit an application for deregistration from the housing register.

Moreover, if there is a patient in the family who suffers from severe forms of certain chronic diseases, the apartment (or house) should have a separate isolated room.

It is also important to remember that the placement of different-sex family members (with the exception of spouses) in the same room is allowed only with their written consent.

How to receive compensation payment?

Submit an application and a package of documents to receive a compensation payment to the one-stop service of the Moscow City Property Department (DGI). The application must be signed by all registered members of a large family. Signatures are also placed for all minor children.
If necessary, provide documents for making changes to the accounting file or documents for re-registration . Re-registration is carried out at least once every five years. It must also be carried out at least a year before the decision is made to acquire ownership of residential premises with the help of the city and immediately before such a decision is made. This is necessary to make sure that you still have reasons to be on the housing register. Usually the procedure is carried out without the participation of a waiting list. But if necessary, you may be asked to provide missing documents. For families admitted to housing registration after March 1, 2005, confirmation of low income is also required to re-register the registration file.
Wait for the decision to provide compensation. As soon as the relevant order is issued, you will be notified by mail/email or by telephone. Then, in the one-stop service of the City Property Department, you will be able to receive a document (order) confirming the provision of a compensation payment, which will indicate the amount that you may have. The first citizen named in the order will be considered the primary applicant. The rest of those registered will be considered members of the applicant's family.
Open an individual blocked target account (IBTS). After you receive an order to provide a compensation payment to a family member in whose name the order to provide a compensation payment will be issued, you will need to open an individual blocked target account with a partner bank (CB MIA (JSC). The payment will be transferred to this account It is impossible to withdraw funds from the account on your own.If within six months from the date of issuance of the order to provide compensation payment you do not purchase housing, the money will be returned to the city budget and the order will be cancelled.
Choose housing and sign a contract. You need to find housing yourself. If you have any questions related to the purchase of housing, you can contact the organization subordinate to the Department of City Property - the City Center for Property Payments and Housing Insurance (Kozhevnicheskaya Street, Building 1, Building 1), where they will advise you. In addition, the center will tell you which documents you need to verify the compliance of the housing you have selected with the residential premises that can be purchased using the compensation payment, and will check them. After verification, you will be able to apply for a payment transfer from the IBCS to the seller’s account.
Submit an application and documents for transfer of payment from an individual blocked target account to the seller’s account to the one-stop service in DGI. After you provide the full package of documents necessary to consider the issue of transferring the compensation payment to the seller’s account, DGI will transfer funds from your individual blocked target account to the seller’s account and inform you about this in writing with the appropriate notification.
Register ownership . All family members registered in one accounting file must have equal shares.

Any request you make to the City Property Department is registered, as a result of which a number is assigned to it. With it, you can check the status of your request on mos.ru.

Subsidy for the construction of houses for large families

Preference refers to funds allocated for improving housing conditions. It is provided in the form of monetary assistance for the construction of a house, major repairs and expansion of living space.

What is a subsidy for building your own home?

The subsidy, which is provided to families with many children and is spent on building their own home, is a targeted payment. Money is not issued in person; all expenses are made by bank transfer. Features of government support include:

lack of assistance from the family to resolve housing issues previously;
mandatory availability of land suitable for construction work;
the building permit must be issued no later than 2012;
the only application option is for only one building;
checking documents for compliance with fire, sanitary and technical parameters;
compliance of the area with established standards - 18 square meters per person.

Important! One of the conditions for the benefit is registration and residence in the region for at least 1 year.

Subsidies for building a house

Families with 3 or more children can receive subsidies in several ways.

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Construction work from scratch

The intended purpose of the payment is the purchase of construction materials and remuneration for specialists. The money is in the form of compensation and is transferred to the applicant's account upon submission of receipts for expenses.

Improving living conditions

Expansion of existing living space is possible subject to certain conditions:

the actual square footage per person does not correspond to the standard;
the family has low-income status;
living conditions have not changed for 5 years;
All family members have Russian citizenship.

Important! Improving housing parameters is possible if parents and children have permanent registration.

Carrying out major repairs

To receive subsidies for the reconstruction construction of an apartment or house, Russian large families will need:

live in a building that is in disrepair;
have residents’ consent to major repairs;
collect a package of documents;
have no arrears in housing and communal services payments.

The most difficult step is obtaining permission for major repairs.

Construction of a residential building in the village

Cash benefits are provided to citizens of the Russian Federation who have reached 18 years of age. They must be registered in the locality where they plan to build a residential building.

Amount of state aid

The amount of assistance changes annually and in 2020 is set at the regional level.
How much is required for families with many children depends on the cost per square meter in the region, standards and waiting time. The monetary amount may be less than 70% of the costs, but sometimes reaches only 10%. In terms of national currency, the maximum amount of compensation will be 150 thousand rubles, plus 50 thousand rubles. for having many children.

How can a large family receive a subsidy for construction in 2020?

Applicants for state support must pass a selection process and visit several authorities.

Requirements for applicants

Funds are provided subject to several conditions:

the application has been submitted to the territorial administration;
there is a construction permit issued after January 1, 2012;
owns a plot of land allocated for development;
land can be rented for construction work or farming.

On a note! Each factor is carefully checked for errors.

Action plan

How to proceed correctly to receive a subsidy for construction work for domestic large families? You need to follow a simple algorithm:

Contact the district municipality with a package of documents;
Clarify the schedule for receiving representatives of the housing commission;
Submit documents to a specialist and write an application;
Find out how to eliminate possible errors;
Complete the package of documents and apply again.

Responsibility for financing lies with regional and district departments. They review the request within 1 month and notify the applicant 5 days after the final decision.

What documents are required to apply for a subsidy?

During the process of making a targeted payment, you will need to submit copies of:

internal passports and birth certificates of children under 14 years of age;
extracts from the house register;
papers confirming the availability of permission;
title documents for land;
site diagrams with house plans;
project sketches;
estimated estimate for the work.

Advice! Do not include labor costs for construction workers in the estimate, as they are not compensated.

Responsibility for misuse of subsidies

To confirm the use of funds issued by the state, you will need to provide payment slips, checks, receipts, as well as a cadastral passport within 1 month.
It is issued within 3 months. In the absence of a targeted justification, the applicant returns payments in full. After this, an inspection by local authorities is carried out. If there are no documents about targeted expenses, criminal proceedings may be opened for theft of public funds. Read also: Social contract