How to get a subsidy for the purchase of housing in 2023

A subsidy is a cash benefit that is given to citizens by the state. The required funds come directly from the state budget. They are allocated to individuals, organizations and even local budgets.

Who is entitled to a subsidy for an apartment in 2023?

In particular, this form of material support is also provided to those people who belong to the least protected segments of the population and who themselves cannot earn the full amount required to purchase housing. So, let's find out what an apartment subsidy is and who is entitled to this payment in 2023.

List of citizens eligible to receive housing subsidies

So, there is a certain list of people who can qualify for a housing subsidy due to their special status. As a rule, they are given this status :

the circumstances of their professional activities;
the living conditions in which they exist;
other conditions.

So, let's look at the list of applicants for housing subsidies.

First of all, apartments are provided to truly needy citizens of our country.

Table 1. Who is eligible for apartment subsidies in 2023

Category of citizensDescription

Public sector workers	A mandatory financial payment for the purchase of an apartment is assigned to persons working in public areas of human activity.
Young families	The “young family” category includes married couples, each of whose representatives is under 35 years of age. After reaching this age, the couple is no longer considered a young family, and cannot receive a subsidy for an apartment through specialized thematic programs (but can through others).
The large family	If you are the parent of three or more children, none of whom have reached the age of 18, you are eligible to receive subsidies. Also, the possession of the required payments is possible for families where there are children over 18 years of age, but only on the condition that the required adult offspring have not yet reached the age of 23, and that they: • are called up for military service; • are currently studying in higher educational institutions.
Orphaned children	Children who become orphans can also count on participation in subsidy programs.
Veterans	Persons who are classified as veterans can also receive payments from the state.
Combatants	Citizens of Russia who took part in hostilities, in particular veterans of the Second World War and members of their dead, as well as military personnel in the reserve, have the right to take advantage of this measure of state support.
Disabled people	Citizens with an official diagnosis of disability are included in the list of applicants for an apartment subsidy.
Cells of society that have insufficient material support	Families from these categories (most often also having the status of large families) awaiting the provision of social housing can expect a financial payment using payments from the state.
Persons working in the agricultural industry	Young people living and working in the village, who are specialists in the field of agronomy, will be able to become owners of the payment.
Migrants leaving the northern regions	Residents of the country leaving the Far North and wishing to find a place of residence at an updated address, provided that they have at least 15 years of experience , may also be entitled to payment of funds.

To improve living conditions, it is necessary that they do not meet the requirements established in the country

The persons listed above, belonging to the category of potential recipients of subsidies, are required, immediately at the time of submitting an application for registration, to be officially recognized as citizens in need of improved living conditions. So, for example, if we are talking about civil servants, then for them the situation requiring improvement of living conditions may be as follows :

an apartment or private house, the established conditions of existence within which do not meet even the minimum requirements;
living in a hostel or communal apartment, and at the same time not being able to move to improved housing;
maintaining a common life and living in the same area with persons suffering from serious diseases included in the list established at the government level;
living in a house or apartment (room), the total area of which is less than 15 square meters per person;
in a one-room or adjacent apartment, if two or more families live with you (even if these families are your children and parents, for example).

You may be denied if it is determined that you cheated to obtain a subsidy

Refusal to pay subsidy

Remember that before giving you a housing subsidy, the government agencies that provide it will check the current condition of your home. If it is established that you deliberately worsened your living conditions and spoiled them deliberately, this will be the basis for refusing to issue financial support:

final;
temporary, for up to 5 years.

In particular, such intentional deterioration may include such actions as :

alienation of real estate;
exchange for housing of unequal price and comfort;
moving residents into an already densely populated area, etc.

Provided that you comply with all the conditions and are suitable for the role of recipients of the subsidy, those who have joined the queue can somehow solve the housing problem, move to other regions, cease to meet the characteristics of one or another preferential category, etc.

In all of these situations, they will be deregistered. It will be done in any case, even if you try to hide the true state of affairs from the inspection authorities, but in this case you will also suffer serious consequences.

How to apply for a subsidy for an apartment in 2023

In order to apply for a state subsidy for the purchase of residential real estate, you need to draw up and submit an application for participation in one of the state programs operating on the territory of the Russian Federation, which implies the issuance of the form of material support that interests us.

How to get a subsidy? It’s very simple: you need to prove your right to financial support by presenting the appropriate papers

In addition, in addition to submitting an application for verification, you will need to support your rights to payment by also submitting other documents for official verification. We are talking about the following papers :

passport of a Russian citizen;
copies of the person's personal financial account;
an extract from the house register;
work book;
marriage certificates and birth certificates of children;
documentation that confirms that you are eligible to receive any benefits;
a certificate of the composition of the family living with you in the same living space;
an extract from the Unified State Register or a social tenancy agreement, etc.

Please note: the list of required documents will vary depending on which program you are participating in and for what reasons.

In the event that applicants find their own living space, it is also necessary to provide all evidence that it does not meet the standard requirements and parameters established at the state level.

The amount of the subsidy will be decided individually in each case.

The amount of subsidy you are entitled to will be determined individually in each case, according to the following nuances:

the number of people living with you;
footage of the living space you already own, etc.

Remember: violations of the rules and fraud can only lead to you being denied financial support from the state.

What is the amount of subsidy for the purchase of an apartment?

Let's sum it up

Provided that you fall into one of the categories indicated in the article, the state will help you improve your living conditions by providing a certificate for a subsidy, which can be used to purchase housing by paying off mortgage interest, or adding funds to your existing ones savings.

Real estate tax for pensioners - we recommend this article if you are interested in what types and conditions of taxes there are, as well as how to get benefits.

Take advantage of your right to improve your living conditions

Remember that it is important to follow the rules and submit documents for verification on time, then everything will work out even better and faster than you could imagine.

Video - Possibility of receiving subsidies

State subsidy for the purchase of housing in 2023

Housing subsidy programs are primarily aimed at low-income or vulnerable segments of the population. You can receive a conditional subsidy only on a first-come, first-served basis and after documentary confirmation of compliance with the legally established criteria and grounds.

Features of subsidies in 2023

A subsidy should be understood as a form of government support characterized by the following features:

Consolidation of the program provisions in a special regulatory act;
Targeted use of funds;
Gratuitous;
Federal or regional funding;
Partial or full compensation of costs for the acquisition of living space;
Validity limit;
Compliance of the candidate with the presented criteria.

Who is entitled to state support?

As a general rule, the following categories of citizens are entitled to apply for state (regional) subsidies for the purchase of housing:

Families recognized as large (local acts of the region may establish their own conditions for assigning the status of large families, but in most regions raising three children is sufficient grounds);
A young family whose members have not reached the age limit of 35 years (the rule may apply to an incomplete family (single parent));
Citizens who have received the status of low-income people due to a low level of income, the amount of which is below the subsistence level of the region;
Public sector employees who have worked in a designated position for at least 12 months;
Citizens who carried out liquidation of the consequences of the Chernobyl accident and persons who suffered health damage as a result of being in the irradiation/exclusion zone;
Workers of the Far North and equivalent regions leaving these territories, having a work experience of at least 15 years and needing to improve their current living conditions;
Military personnel (both those in service and those in reserve/retired);
Children left without parental care, fully supported by the state or orphans;
Disabled people;
Participants in hostilities;
War veterans, children of war, blockade survivors;
Families of deceased citizens who were eligible to receive housing subsidies.

The above-mentioned citizens have the right to use state assistance for the purchase of housing only once in their entire lives. If the candidate was previously provided with a similar subsidy at the regional level, most likely, the right to federal preference will be denied.

The law does not exclude cases when the same potential participant in the program is able to qualify for state support according to several criteria, for example: a young single parent working in the public sector or military parents with many children. Under such circumstances, candidates are entitled to independently choose on what grounds it is more profitable for them to implement the subsidy.

General rules for granting subsidies

Subsidies for the purchase of housing can be divided into the following types:

Providing financial support for the construction of a private house;
Compensation for part of the redemption value of the housing stock (30-70%);
Mortgage rate subsidies;
Providing a subsidy to repay the principal amount of the mortgage debt or overpayment interest for the use of bank borrowed funds.

General requirements for the candidate (vary depending on the specific program):

Availability of Russian citizenship;
Location of real estate - Russian Federation;
Compliance with the age limit;
Assigning the status of a large family to a family;
Recognition as poor or needy;
Employment in a public sector institution.

Current state programs for 2023

Young family

The program to support young families has been in effect since 2010. Particular conditions for the provision of this assistance are regulated by regional regulations adopted in the candidate’s region of residence. The general points of the subsidy are as follows:

The candidate does not have his own living space or does not comply with living standards;
Not exceeding the age threshold of 35 years;
The amount of budgetary funds offered for the disposal of participants:

Up to 40% of the redemption value of the housing stock - if the family has one or more children;
Up to 35% - if there are no pupils in the family;

Availability of own savings sufficient to partially contribute to the redemption cost of the property;
Assignment of the status of those in need;

Housing

The direction of state subsidies “Housing” is focused on providing assistance to a narrow circle of citizens, which include:
The program began in 2002 and, after being extended twice, will only end by 2020.
This subsidy is part of a national project to provide citizens of the country with affordable and comfortable housing.
Category Features:

Implemented everywhere in the Russian Federation (in every subject);
The participant must have an initial payment of 10% of the cost of the object;
The ability to document your solvency;
The state offers the candidate a subsidy of 30-40% at a preferential rate, and the participant must repay the remaining amount independently.

Read more: Conditions of the Housing program for 2018-2020

Assistance program for young public sector professionals

Most regions of the country implement a subsidy under which young professionals working in the public sector have the right to receive assistance in the form of living space, but with some reservations:

The real estate is provided under a social tenancy agreement and remains the property of the municipality;
Duration of use of the property – 5 years;
If a young specialist continues his employment relationship with a budgetary institution, his employment contract is extended;

Within the framework of this program, young public sector specialists can apply for the provision of allowance payments upon agreement to employment in rural areas, and in some cases, several cubic meters of timber for the construction of their own house.

Preferential mortgage

2018 marked the start of a program to subsidize mortgage lending for families raising two or three children.

The provisions of the relevant regulatory act establish the following features of the implementation of the said subsidy:

The period of birth of the second or third child is from 2018 to 2021;
The mortgage rate is 6% (fixed);
Duration of subsidy from 3 to 8 years;
The subject of the mortgage is only a new building;
Limits have been established on the cost of the object - up to 3 or 8 million rubles (depending on the region of residence);
A list of creditors participating in the program has been determined, with which families have the right to qualify for a rate reduction when registering obligations with them.

After the stipulated subsidy period (3, 5 or 8 years), citizens pay the balance of the burden at the base rate determined by the creditor bank.

Housing preferences affecting police officers

In April of this year, by decree of the President, a new unit was created called the Russian Guard (originally the National Guard), which includes some detachments of the internal troops of the Ministry of Internal Affairs, in particular:

riot police;
SOBR;
FSUE "Security";
Representatives of the Center for Rapid Reaction Force and Aviation under the Ministry of Internal Affairs;
Private security.

Representatives of this structure, along with military personnel, receive a number of housing preferences, including:

Providing an apartment;
Military mortgage;
Subsidy to improve living conditions.

Read more: “Mortgage for police officers”

Nuances

Privileges for the priority provision of housing subsidies are granted to wheelchair users or disabled orphans;
Veterans of the Great Patriotic War are among the citizens for whom a government subsidy can fully cover the costs of purchasing a real estate property;
The provision of subsidies is always accompanied by compliance with living standards, which are set within 14-18 square meters. meters for each cohabitant (the indicator varies from subject to subject);
The validity period of the certificate (subsidy) for housing is about six months; after the specified period (in case of non-use), financial assistance is returned to the budget.

Procedure for providing a subsidy

Financing of preferential categories of citizens is carried out on a first-come, first-served basis, which is determined depending on the grounds for enrollment in such a category.

In order for a candidate to receive government assistance for housing, the following procedure must be followed:

Confirm the status under which the subsidy is due;
Prepare the necessary package of papers;
Contact the authorized body (depending on the territory of residence):

Housing Committee;
Administration of a city or rural settlement;
Department of Social Protection;
Veterans Council;
Military commandant's office;
City or district housing exchange department;
Subsidy department at local self-government;

Provide the required papers, wait to be added to the queue and receive notification of the assigned serial number;
Receive a subsidy certificate.

Required documents

The right to state assistance arises only with documentary evidence of need or membership in a preferential category on other grounds, so the candidate will need the following list of documents:

Applicant's passport;
Identification documents of each member of the candidate’s family;
Documents on the adoption of a child;
Certificate confirming the official marriage union or its dissolution;
An extract from Rosreestr or BTI confirming the absence of home ownership for the last 5 years;
Housing inspection report confirming the property’s non-compliance with living standards, its dilapidation/unsafe condition;
Extract from the house accounting book;
Personal account statement;
Documents confirming the triad of rights to real estate that does not meet the standards;
A certificate from the social protection department confirming the status of a large needy family;
ITU certificate indicating the presence of disability;
Rehabilitation program for disabled people;
A certificate from the employer confirming the performance of labor functions in the public sector;
Work record book or other document indicating sufficient work experience in the Far North region;
Veteran's ID;
Documents confirming participation in hostilities or the presence of a special rank, merits in connection with which a housing subsidy is awarded;
Chernobyl certificate;
Documents confirming recognition as an orphan.

Housing subsidies for the purchase of an apartment in 2023

The availability of comfortable, comfortable housing is one of the main indicators of the standard of living of the population of any state. It is directly related to the demographics of the country, when young families may not think about where to live and raise children.

The state is interested in improving the demographic situation, therefore a system of housing subsidies has been developed, and one of the main types of social assistance to the population is subsidies for apartments, house construction, as well as preferential mortgage lending.

Housing subsidies

Subsidies fulfill the task of social support for low-income groups of the population. This is free financial assistance that has a strictly intended purpose. Therefore, in order to receive such support, you will have to collect a package of documents justifying your right to it.

Housing subsidies are intended to enable certain categories of low-income citizens to:

improve living conditions in cases where housing does not meet hygienic and sanitary standards;
buy an apartment if your own funds are not enough;
build a house on an existing plot;
get money for a down payment for a mortgage;
pay off existing mortgage debt;
receive money to contribute a share to a housing cooperative or to participate in shared construction.

The housing subsidy can only be issued once and has a time limit, so it requires careful preparation to achieve the desired result.

Taking into account the fact that the subsidy does not fully cover the costs of purchasing housing, for any of the options you will have to prove your financial ability to achieve your goal (sufficient income to pay mortgage payments, funds to buy an apartment, availability of land to build a house).

The conditions for determining the right to receive subsidies and their size are determined by the Housing Code of the Russian Federation, legislative acts for certain categories of citizens, as well as legal acts of regions that issue subsidies from their budget.

Who can receive

The state provides several categories of citizens who are entitled to subsidies to improve their living conditions. These are established:

Young families in which the age of the spouses does not exceed 35 years.
Low-income citizens whose income per family member is below the minimum established by the region.
Large families with children under 18 years of age. If they are studying at a university or undergoing military service, the maximum age of children increases to 23 years.
Military personnel, including those transferred to the reserve.
Specialists who wish to move to work in rural areas.
State employees and government employees.
Orphans or left without care.
Having worked for more than 15 years in areas of the Far North or equivalent to it.
Young scientists.
War veterans and disabled people, participants in combat operations and members of their families.

Representatives of the above categories can turn to the state for help in the following cases:

if the area of the existing housing does not meet the square footage standards;
non-compliance of the premises with sanitary standards;
living in the premises of several related families;
accommodation in a dormitory or communal apartment;
if you have to live with seriously ill people in the same room.

The decision to allocate housing subsidies is made by regional government bodies, so other categories of citizens entitled to it may be provided locally. In addition to these reasons for receiving a subsidy, there may be additional ones provided by regional authorities.

The procedure for each category of housing subsidies in 2023 is regulated by Decree of the Government of the Russian Federation No. 1710 of December 30, 2017.

“On the implementation of certain measures of the state program of the Russian Federation “Providing affordable and comfortable housing and utility services to citizens of the Russian Federation”, as well as relevant legislative acts, target programs, government decrees for certain categories.

Young families

This category includes families where the age of the spouses does not exceed 35 years. They can be with or without children, or single-parent families consisting of one parent and children. It is necessary that at least one of the parents is a citizen of Russia. Housing subsidies are provided within the framework of the subprogram “Providing housing for young families” for 2015 - 2020.

Under this program, young families who meet all the requirements for selection for assistance are provided in the form of a housing subsidy for the purchase or construction of economy class housing.

In this case, one of the conditions determines whether the family has additional financial resources of its own or received loans for the purchase or construction of housing.

The use of maternity capital as additional funds is allowed.

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Poor

To receive a subsidy for the purchase or construction of housing in this category, you will have to start by obtaining low-income status. It is carried out according to the regulations given in Art. No. 51 of the Housing Code “Grounds for recognizing citizens as needing residential premises provided under social tenancy agreements”

This process involves calculating the total family income, which includes all types of payments, including:

wages of able-bodied family members;
pensions;
social benefits for minors;
scholarships;
additional income (renting, farming, etc.).

If the total income received per family member is below the subsistence level established in the region, and there are also the above-mentioned grounds for improving living conditions, then you can apply for assistance. Such citizens have the right to receive social housing under a rental agreement or the right to purchase with a preferential mortgage.

It must be remembered that when considering an application for improvement of living conditions, refusal will first of all be received by those who cannot provide all documents on income, able-bodied persons, work evaders, and alcohol abusers.

Other categories

If we consider other categories, then for each of them, in addition to generally established rules, there are specific features specified in separate legal acts:

For large families raising 4 or more children, a subsidy is issued if at least one of the parents has Russian citizenship and the total work experience of the parents exceeds 10 years.
For military personnel, assistance in obtaining a housing subsidy is provided for in Law No. 76-FZ “On the Status of Military Personnel.”
The program, which determined the conditions for receiving subsidies for the purchase and construction of housing for young professionals in rural areas, was suspended in March 2018. Currently, such subsidies are carried out within the framework of the “State program for the development of agriculture and regulation of markets for agricultural products, raw materials and food for 2013 - 2020” (Government Decree No. 717 of July 14, 2012, Appendix No. 1)
Veterans of the Patriotic War and persons equivalent to them receive a subsidy in an amount that fully covers the cost of housing within the established area standard.
The rules for lending for all other categories are determined in Government Decree No. 1710 in the relevant sections.

How to apply

Filing an application for a housing subsidy requires clarification of the rules of a particular region, including the amount of the minimum income, the list of categories of citizens for whom subsidies are provided, and the types of grounds for receiving assistance. To find out more details on how to receive a subsidy, you need to contact your regional social security office. If the applicant meets all the requirements, it will be necessary to collect a package of documents for consideration of the application.

The package of documents may differ for different categories of applicants and programs for which subsidies will be issued, but the basis will include the following:

Identification documents for each family member (passport for adults or birth certificate).
For families - a marriage registration certificate.
Certificate from the housing company confirming family composition.
A document confirming the applicant's right to receive government assistance.
A lease agreement for rented housing or title documents for your own housing.
For cases where there are benefits for additional space, documents confirming this right.
Confirmation of financial capabilities to cover the missing amount for the purchase or construction of housing, information about income for a mortgage.
Other documents that are required for a specific program or at the request of regional authorities.

The application is reviewed within 30 days, after which the applicant receives a response on whether to be placed in the queue for a subsidy or rejected. The reasons for refusal may be non-compliance with the requirements of the region, lack of information about the right to a subsidy, unconfirmed or unreliable information, lack of funds or income to fulfill obligations.

If a positive decision is made, it is important to remember that all changes in financial, housing situation, change of place of residence, and others that could affect the receipt of a subsidy must be immediately reported to the authorized bodies.

The received certificate is transferred to the bank, where an account is opened for the specified amount. From this moment on, the recipient of the subsidy has six months to use it for its intended purpose. After choosing a home, the bank transfers the money to the seller’s account independently.

Calculation of the subsidy amount

All types of housing subsidies are provided from regional budgets. Accordingly, the calculation of the amount of housing subsidy will directly depend on the rules and regulations established by the region. In general, the formula for calculating housing subsidy is as follows:

C = N * St. * K rub
Where:
C is the amount of the subsidy;
N is the standard living space allotted to the subsidy recipient;
Art. ― the cost of one square meter of housing established for the region;
K is a coefficient that depends on factors taken into account when issuing subsidies (number of children in the family, length of service, work experience).
To determine the standard of living space, there are average indicators that may vary by region:

for a person living alone - 33 m2;
two people - 42 m2;
three people - 54 m2;
four or more people - based on 18 m2 for each family member.

To make it clear how to calculate the subsidy in 2023, you can consider the example of a family of three people applying for a subsidy, at a set cost of 42,000 rubles per 1 m2, the coefficient for a family with one child is 35%:

C = 54 * 42000 * 0.35 = 793,800 rub

In the example given, the size of the coefficient corresponds to the amount of subsidy received by a young family for the purchase of housing in 2023 at 30-35%, depending on the composition of the family. This coefficient is used in most cases. For certain categories it can reach up to 70%. Some regions set a fixed amount of housing subsidy.

Mortgage benefits

To improve the demographic situation in the country and help families with two or more children, a program of preferential mortgage lending was proposed at the end of 2017, within which the following benefits are provided for citizens of the Russian Federation:

For families whose second or third child is born between January 1, 2018 and December 31, 2022, the mortgage rate is set at 6%. After the expiration of the preferential lending period, the rate will rise to the Central Bank key rate + 2 percentage points.
The preferential lending period is established:
a) at the birth of the second child 3 years;
b) at the birth of the third child, 5 years old.
If a mortgage is issued at a preferential rate at the birth of a second child, then at the birth of a third child the grace period can be extended.
The initial payment for preferential mortgage lending is 20%.
Loan term - up to 30 years.
The maximum loan amount for the cities of Moscow and St. Petersburg, as well as the Moscow and Leningrad regions is 8,000,000 rubles, for other regions - 3,000,000 rubles.
Housing can be purchased on the primary market at the construction stage or already commissioned, but in a new building.

To ensure the implementation of the program, subsidies are provided from the federal budget to compensate for lost income, in accordance with the Decree of the Government of the Russian Federation of December 30, 2017.

N1711 “On approval of the Rules for the provision of subsidies from the federal budget to Russian credit organizations and the joint-stock company “DOM.

RF" for compensation of lost income on issued (purchased) housing (mortgage) loans (loans) provided to citizens of the Russian Federation with children."

At the beginning of January 2023, Deputy Prime Minister T. Golikova announced additional benefits under this program, agreed with the Government of the Russian Federation, which provide:

Increasing the term of preferential lending or lending at a preferential rate for the entire loan period.
Allocation of subsidies based on the Central Bank key rate plus 4 p.p.
A one-time payment of part of the debt at the expense of the state in the amount of 10% of the debt, but not more than 450,000 rubles.

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How to get a subsidy for the purchase of housing in 2023: types of subsidies, conditions for receiving

to ask a lawyer . It's free!

One of the main tasks of the state’s social policy is to assist Russians in resolving the housing issue.

A variety of categories of citizens can apply for subsidies. But the process of applying for benefits takes a lot of time and has its own characteristics.

To do everything correctly, you need to find out how to get a subsidy for the purchase of housing in 2023 and who is entitled to help.

Legislative basis

The main document regulating the provision of subsidies for real estate is the Housing Code of the Russian Federation. Articles 50 and 51 establish the right of Russians to such benefits and also explain who is entitled to them. Almost all target programs are developed and approved on the basis of the Housing Code, for example, “Young Family” and “Housing”.

Since the direct responsibility to support citizens in need rests with local authorities, local regulations are also adopted. In addition, relevant Government resolutions are issued periodically. Thus, Resolution No. 63-PP dated January 27, 2009 regulates the procedure for receiving subsidies by civil servants .

Who is eligible for benefits?

In accordance with Russian legislation, state subsidies for the purchase of living space can be provided to:

Large families. Each Russian region sets its own criteria for large families. But in most constituent entities of the Russian Federation, families raising three children have the right to apply for funds;
Young family. As a rule, a family in which one of the spouses has not reached the age of 35 is considered young;
Poor Russians. Their monthly income must be less than the minimum subsistence level established in a particular region;
Military personnel. Help can be provided to people currently serving, combat veterans, as well as military retirees;
For disabled people and orphans;
Families of deceased Russians who had the right to claim benefits;
For young professionals;
Liquidators of the Chernobyl accident , whose health was damaged;
Civil servants and other public sector employees who have worked in their position for at least 1 year;
Residents of the Far North and equivalent areas who have at least 15 years of experience and leave these regions.

You can receive a subsidy for the purchase of living space once in your life. If an applicant fits several categories at once, he has the right to choose on what basis it is better for him to apply for a subsidy.

Amount of assistance and calculation formula

Another pressing question for those in need is how much money is allocated. Each person who requires government assistance can approximately calculate the size of the subsidy.

To do this, you need to multiply three numbers: the cost of a meter of housing, the standard for providing living space and the magnifying factor. As a rule, a subsidy for the purchase of real estate covers about 40% of its cost. But a lot depends on the program.

Thus, for the military, the amount of compulsory assistance must be at least 80% of the cost of the apartment.

An important role in deciding the need for housing is played by the standards established by the state. For one person this is 33 meters of total area, for two – 42 meters. If three or more people are registered per square meter, another 18 meters are added for each.

Citizens who apply for a certificate must be able to pay for the remaining portion of the living space. For example, when buying an apartment with a mortgage for a young family, the state almost always helps. But it is necessary that the spouses be able to make mortgage payments.

How are those in need of housing determined?

The main criterion determining the need for square meters is cramped living conditions. Regional authorities are given the right to adjust the standards, so they may differ depending on the area. The cost of living for receiving subsidies is also determined locally.

To receive a certificate, being in need is not enough; you must also report your problems. The basis for registration is an application, as well as accompanying documentation confirming the right to benefits. If it is difficult to document your rights, government assistance is unlikely to be provided.

Where to apply for a subsidy

To register, you must contact your local administration. Typically, such matters are the responsibility of the housing department. The list of documents depends on the region of residence, the status of the applicant, as well as the features of the program in which he wants to participate. But there is a general list of documents that are required in almost all cases:

Passports of all family members living together.
Birth certificates of children.
Certificates of marriage, and, if available, divorce certificates.
Certificates confirming family income and expenses.
Military ID, work book or other documents in accordance with the specifics of the program.
A certificate from the social security authorities confirming the family’s need for improved housing conditions.
A copy of the personal account and an extract from the house register.
If the applicant already has housing, a certificate of ownership must be provided. In cases where the property was purchased with a mortgage, you will also need to bring a loan agreement.

After submitting the application, the documents will be reviewed by a special commission. All data provided by the applicant must be checked for accuracy. If approved, the person gets on the waiting list. Subsequently, the subsidy is calculated and a certificate is issued. The waiting period for government money can range from several months to several years.

Help for young families

Each state program to support needy citizens has its own characteristics. For example, participation in a program for young families requires additional conditions. One of them is related to maternity capital. A family that took out a loan to purchase housing must use the funds to repay part of the debt.

Subsidies for disabled people

A person with disabilities has the right to apply for a subsidy if he:

Has official medical documents confirming disability.
Does not have his own home or lives in unsatisfactory conditions.
I wrote an application to improve living conditions.

Like ordinary citizens, people with disabilities have to wait in line. Even if a disabled child is raised in a family, you will need to wait until it’s your turn. An exception is made only for wheelchair users. In addition, disabled orphans who are able to live independently have the right to priority receipt of square meters.

Project for young professionals

With the help of housing subsidies, the government tries to attract young, educated people to work in certain industries and regions. First of all, this applies to rural areas. One of the conditions of the program is agreement to work in the agricultural industry for at least three years. If a specialist decides to stop participating in the program, he will have to settle accounts with the state.

Only graduates of state educational institutions receive the certificate. Within a year from the date of its issuance, the specialist must get a job in a rural area.

Due to the specifics of the program, long terms for using the certificate have been established for young people. You can use public funds for three years. If a person takes parental leave or joins the army, the period may be extended.

Housing benefits for single mothers

A woman raising a child alone also has the right to benefit from state support. In this case, there must be a dash in the “Father” column on the birth certificate. Data about the father should not be included in the adoption certificate.

To receive a subsidy, you must meet the following requirements:

A woman must obtain official status as a single mother.
The income level must be less than the minimum subsistence level established in the region.
A woman with a child should not have her own home. Another option is that they must live in a house that is classified as unsafe or dilapidated.

The amount of subsidy provided to a single mother cannot be more than 40%.

Benefits for the poor

If a family's income is below the subsistence level, it also has the right to apply for benefits. In addition, people must need improved living conditions. If there is a seriously ill person in the family, the subsidy may be provided out of turn.

Subsidies for employees of the Russian Guard and other civil servants

In accordance with federal legislation, some government employees also have the right to housing. These are, for example, employees of the National Guard, called upon to protect law and order. The law provides for different ways to provide these citizens with living space:

Providing office space for temporary use;
Providing housing on social rental terms;
Compensation for renting an apartment;
Subsidizing the purchase of residential premises.

To receive a certificate, an employee of the Russian Guard needs to stand in line. This occurs by submitting a report with a resolution from the immediate superior. The housing commission must review the documents within a month. If a civil servant really lives in cramped conditions, he is put on the waiting list. In the event of the death of an employee, housing is provided to his family without a waiting list.

Also eligible to receive benefits are civil servants raising three or more minor children, disabled children, families living in a hostel, as well as in emergency housing. There are other cases. The list of persons in the civil service is quite wide: these are employees of the Ministry of Emergency Situations, the Ministry of Internal Affairs, the court, the prosecutor's office, the tax police, municipal employees, and so on.

Features of receiving benefits for military personnel

The state pays special attention to providing for military personnel. People who defend their homeland are guaranteed housing if they meet the following requirements:

They need housing and serve under a contract signed before 1998.
At the time of dismissal from the Armed Forces, a military man must have served at least 20 years.
If a person has served for 20 years or more, but still uses departmental housing, he is also provided with a subsidy.

The subsidy is also given to military personnel who have served for 10 years and have departmental housing.

Family members of military personnel can also take part in the program. This also applies to cases where a person died. If an application for assistance is written by a widow, the share of the deceased spouse is taken into account when calculating the living space standard.

In what cases is it possible to refuse assistance?

In some cases, the state may refuse a subsidy. This happens if the applicant deliberately worsens his living conditions in order to get money: he sells his existing apartment, gives it to relatives, or registers other persons. Also, the reason for refusal may be errors in documents or their provision in an incomplete set.

It will not be possible to obtain housing with state participation if the applicant has lost the right to benefits, provided false information, or did not report the availability of other housing. In addition, the law obliges registered citizens to inform the authorities about changes in family composition.

Restrictions on using the certificate

The state is interested in ensuring that the family that receives the money actually solves their housing problem. Therefore, the law establishes certain restrictions on the use of the certificate.

For example, in Moscow and St. Petersburg it is prohibited to purchase housing in a new building if it is less than 70% commissioned. Also, in almost all regions you cannot buy real estate that has been seized or is in collateral.

The certificate can be used to purchase a house or apartment, or to build your own home. It is necessary to select real estate or begin construction within six months, otherwise the subsidy will be reset to zero. In addition, the owner of the certificate has the right to join a cooperative or spend money on improving an existing property.

Every person who belongs to a preferential category can receive a subsidy for the purchase of housing in 2023. For many Russians, government assistance is the only opportunity to acquire housing. But you have to be prepared for the fact that there are many people in need in the country, and sometimes you have to wait for your turn for years.

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