Advice 1: How to obtain a subsidy for housing young family

For home purchase you can get non-refundable cash subsidy from the state. To have it right young families where the age of the spouses does not exceed 35 years. State program "Affordable housing - young family". To receive a subsidy, you need several conditions.
How to obtain a subsidy for housing young family
You will need
  • - a document on the decision of the housing Commission about the recognition of families in need of housing
  • - copies of passports
  • - copy of marriage certificate (divorce)
  • - help single mothers
  • - copies of birth certificates of children
  • - copy of work record, certified by the personnel Department
  • - income statement 2-pit (to both spouses)
  • - extract from the house register or account
  • help from the BTI on the presence/absence of housing
  • Spouse:
  • - certificate from the Bank about the amount that may be issued as a credit (depending on total family income)
  • - all the originals of the above documents
The family must be recognized as needing housing or better housing conditions and stand in line for this reason. To the family of recognized need, call the housing Commission.
For subsidies between spouses need to officially register.
The family must have sufficient income to repay the residual portion for the housing, in addition to subsidies.
Preferential right to housing are public sector workers with experience of 5 years.
Single-parent families are also eligible for housing subsidy. Age one parent must not exceed 35 years.
The subsidy is 35% of the cost of housing for families without children. The cost of housing provided by the government program. As changes in property prices the amount of change. This is usually done every quarter.
For families with one child or more, about 40% of the cost of housing.
For single-parent families with one or more children - 40% of the cost.
50% - for families with no children and engaged in building their own home or buying a new housing.
55% - for families having one or more children and working on building your own house or buying a new housing. The same conditions for single-parent families.
Give grant non-cash. You need to use it within 6 months.
In some regions there are additional subsidy as the birth of children.
To become a member, it is necessary to collect the relevant documents and to contact the local authorities to the Department of youth Affairs.
About the decision of incorporating you into the program will inform you in writing.

Advice 2 : How to get a loan for housing

To buy housing on their own for a large part of the population almost impossible. Government has developed a number of programs, and more specifically – targeted housing subsidies to facilitate the private purchase of housing to certain categories of citizens. In fact, the subsidies irreversible state loans for citizens who need better housing conditions.
How to get a loan for housing
You will need
  • You will need to collect documents, it is necessary to check with your city administration/district for each type of grant has its own specific requirements.
Residents Of The Far North. If your experience in the North is fifteen years or more, you have your own accommodation in other regions of Russia and need improvement of living conditions – this kind of government grants for you.
Please contact your local Executive for registration. You will receive the State housing certificate. This personal document confirms your right to receive state subsidies.
The waiting. At each urban/district administration there is a queue on improvement of living conditions for persons living space which is lower than the state norms. Such citizens are entitled to state subsidies.
The waiting list is entitled to use the state subsidy for the purchase of apartments or building houses, but also to choose a convenient neighborhood, the layout of housing and its square.
In order to receive the subsidy are required to contact their city/district, to apply for the grant and write the documents.
The administration will prepare the necessary documents and provide you with evidence on the allocation of funds for the purchase of housing.
Then on your name will open a personal checking account, where the money to be transferred from the city budget.
The state funding program "Young family". This type of grant is designed specifically for young families, the age of spouses in which does not exceed thirty-five years.
Go to the site administration in your city/area and read the terms of the grant. If your family is in the parameters suitable for the receipt of public assistance – go to the administration and personally consult with an expert about what documents are required for obtaining subsidies and write a statement.
The Board will review your documents and decide – whether your family is considered "young". In the case of a negative decision to apply again useless. In the case of a positive decision you will be put in place. When she comes you'll need to go to the Bank and arrange a mortgage. The subsidy can be used, for example, as the first payment on the loan.
You can collect the necessary documents yourself or outsource it to a company that provides such services. This very often involved real estate company.
Useful advice
Always specify a list of documents from the experts in the administration of your region/city. In different regions will have their own nuances with respect to the receipt of the grant.
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