For certain categories of citizens, the purchase of housing is not available, they also cannot apply for mortgage. In such cases, the state is ready to assist in acquiring square meters. Novostroy-M figured out what support programs are offered to Russians today and how to use them if there is no chance to buy an apartment on your own.

In Russia, two main state programs have now been approved, according to which citizens can receive benefits for the purchase of real estate: these are the “Housing” and “Housing for the Russian Family” programs.

The program "Housing" is divided into subprograms "Young family" and "Housing certain categories citizens." According to the Young Family program, citizens are offered a social benefit in the amount of at least 30% of the cost of housing for young families without children and at least 35% of the cost for young families with one or more children. Since 2016, single-parent families with children can take part in the program (until 2016, when a family divorced, they lost their right to receive a subsidy).

The sub-program "To provide housing for certain categories of citizens" implies assistance to extremely limited categories of buyers: the military, scientists, candidates and doctors of sciences, as well as migrants due to emergencies.

The program "Housing for the Russian family" implies the purchase of housing at a price of no more than 35,000 rubles per sq. meter (the limit is set by the state). Citizens aged 25-40 who need to improve their living conditions and belong to the following categories can participate in the program: large families, war veterans, scientists, families living in apartments with less than 18 sq. meters, as well as residents of emergency houses.

Taking into account the fact that over the past two years there has been an increase in prices for building materials, it is increasingly difficult for developers to approach the cost of a "square" of 35,000 rubles. Therefore, the program "Housing for the Russian family" is simply not viable. The authorities have already started talking about its early completion, notes Maria Litinetskaya, managing partner of Metrium Group.

In addition to federal, there are regional programs, among which " military mortgage» ( housing subsidy servicemen) and "Maternal Family Capital".

In the case of a military mortgage, you need to choose objects accredited by the FGKU "Rosvoenipoteka" (the scheme for selling apartments and the stage of readiness of the new building are taken into account). If we are talking about transactions with maternity capital, then in this case there are no restrictions on the stage of construction, comments Marina Komogorova, head of the department of new buildings at NDV-Nedvizhimost. Although the money comes a little later - by transferring from the FIU upon the completion of the transaction, the developers do not refuse to work with this tool.

Maternity capital and military mortgages are the most common programs, says Tatyana Vlasova. At the same time, maternity capital funds are not taxed and can be used in full when buying an apartment. To receive such a subsidy, the buyer will need to present a state certificate for maternal capital, as well as a certificate from pension fund. Most often, the amount received covers only part of the cost of housing, so many banks offer suitable mortgage programs, where an initial fee can be up to 10%, and in some cases fully repaid through subsidies. Based on the practice of the company, many families seek to use the funds provided by the state to fully or partially repay the down payment.

How to get a subsidy?

To participate in the state program, citizens must provide confirmation of the need to improve their living conditions, as well as prepare a package of documents with which they must apply to local authorities. To be recognized as a waiting list, you will need a passport, registration form No. 9, characteristics of the apartment in form No. 7, birth certificates of all family members, certificates of marriage or divorce, copies work books, reference from passport office on the composition of the family, as well as certificates of official income of all family members. The documents are submitted to the housing department, within a month the commission must decide on the recognition of the applicants as in need of better housing conditions and issue an appropriate certificate.

In theory, everything looks very simple and affordable, but in practice, those in need often have to go through “bureaucratic circles of hell” in order to receive the coveted certificate for a subsidy, notes Maria Litinetskaya. Applications can be considered for months, or you can be completely rejected due to an incomplete package of documents or non-compliance with the requirements of the program.

“It is no secret that in Russia a huge number of families need to improve their living conditions and want to receive assistance from the state. As a result, queues are formed in which people can “stand” for several years”

Maria Litinetskaya, Managing Partner of Metrium Group

Another issue is the time limit for certificates. Due to bureaucratic delays, families simply do not have time to buy housing. For example, because the developer raised the price several times. We have to look for a new object. As a result, many families no longer rely on government assistance and seek to save up for an apartment on their own. Some developers prefer not to work with subsidies at all, so the process of buying a home with the involvement of state certificates in Russia has not yet been debugged.

Note that the certificates are limited in validity from two to seven months, during this time it is necessary to select an object and draw up a package of documents. If it was not possible to use the certificate during this time period, the subsidy will have to be received again.

You can dispose of maternity capital after the child is three years old, in connection with the birth of which the right to receive this state support arose. The exception is liabilities to the bank.

Today in the market of new buildings it is possible to buy an apartment with the help of a housing subsidy. But this opportunity can be realized if the object is sold under the DDU during the construction process (readiness of at least 70%) or under a sale and purchase agreement, if the property has been received, Marina Komogorova notes.

A subsidy under the Young Family program can be used to purchase an apartment in a rented building (to pay for a sale and purchase agreement or a down payment), to build a house, and also to repay the principal of an already taken loan. That is, new buildings under construction do not participate in the program.

The Metrium Group company works with state programs to improve housing conditions, notes Maria Litinetskaya. To use the certificate received from the state under the program "Housing", mandatory accreditation is required residential complex in a bank participating in the state program. However, even this nuance becomes a stumbling block.

The certificate under the Young Family program is not relevant for housing under construction. By the time of commissioning, about 10-15% of apartments remain unsold, and their prices are at their highest by that time. For this reason, families cannot take advantage of the subsidy, they simply do not have the opportunity to take out a mortgage for such a large amount, even despite the fact that the state provides all possible assistance. As a result, over the past year, Metrium Group did not pass a single transaction under the Housing program.

The number of transactions using state subsidies cannot be called significant, says Marina Komogorova. The main volume of sales in the "economy" and "comfort" segments is carried out with the help of mortgages, although there are buyers with the entire necessary amount on hand. To this it must be added that the subsidy must be spent in the same city where the certificate was issued. In addition, the funds provided most often do not cover all the costs of buying real estate, so the family pays the rest of the amount itself. Similarly with maternity capital - the family must have sufficient funds to purchase real estate or the necessary financial position to pay off the mortgage.

“Subsidies are not widespread, since the circle of citizens eligible for such assistance is limited and strictly regulated”

Marina Komogorova, head of the department of new buildings at NDV-Nedvizhimost

Ingrad Group of Companies works with certificates under the Military Mortgage program from PJSC JSCB Svyaz-Bank, in the New Pushkino and New Medvedkovo microdistricts near Moscow, it is available on the terms of a down payment of 20%, loan amounts up to 2 million 100 thousand rubles and a rate of 12%, reports Tatyana Vlasova

The Urban Group company takes part in a number of state programs: among them - "Housing", "Military Mortgage", "Maternity Capital", says Yana Maksimova, director of information policy and PR of Urban Group. Clients can use the subsidy to purchase apartments in all of the company's projects, including the Vidny Gorod residential complex, the Solnechnaya Sistema residential complex and the Opalikha O3 residential complex. However, there are certain restrictions on the program "Military Mortgage" and gratuitous subsidies for the construction or purchase of housing. In the first case, the degree of readiness of the house should be at least 30%, in the second - 70%. The share of purchases using maternity capital in Urban Group accounts for more than 10% of transactions.

For a developer, the procedure for working with state subsidies is not much different from selling an apartment for cash. The additional legal procedures required to apply for such subsidies are simple.

Publication date 21 August 2017

The Housing program was developed back in 2002, and it is still considered relevant and frequently used.

It is regularly modernized and changed by government agencies, which allows citizens to improve their living conditions.

This program was developed at the federal level, and is also targeted.

The federal designation says that in every city country goes implementation of the opportunities provided by this program.

Main purpose its aim is to improve the lives of families who have certain housing difficulties. Since such difficulties usually occur in young people, the main condition is the appropriate age of applicants.

She has some subroutines, each of which has its own characteristics, purpose and rules of provision. Before applying for a subsidy, it is recommended that citizens carefully study all the nuances of state support in order to prepare the necessary documentation in advance and perform other actions.

What regulations govern?

The program is approved by Government Decree No. 1050.

It is this document that contains information about all the conditions under which assistance is provided to citizens to improve their lives.

In him there is information about:

• the measures taken;
• sources of obtaining funds to finance the project;
• describes all categories of citizens who can count on different types subsidies.

Decree No. 889 was issued in 2015, indicating that the program is being extended through 2020.

The essence and purpose of state aid

The essence of this program is to create optimal conditions and provide support to socially vulnerable categories of the population, which will enable them to improve living conditions. It is appointed only for young families.

The implementation of the "Housing" program pursues several important goals:

When studying the conditions of this program, it can be understood that not everyone can take advantage of it, since basic requirements must be met, therefore only young families and families in need of housing can receive a subsidy.

There are square restrictions., therefore, if a single citizen applies for residential real estate, then it will not exceed 33 square meters in size. m., but for a young family without children, the maximum area is 42 sq. m.

Action of the program "Housing" applies to absolutely all cities of Russia, so there will be no exceptions on a territorial basis.

Each person considering the possibility of using this opportunity must consider what he can get from the state.

TO main proposals applies to:

• some part of the cost of real estate will be paid at the expense of the state;
• the rest will be provided on credit, and it is offered on preferential terms, so the rate will not be higher than 12%, but life insurance for borrowers is certainly required.

With public funds up to 35% of the cost of housing is covered, but this percentage may decrease, and each situation is considered separately. This indicator is affected by which category of citizens the applicants belong to, as well as what starting conditions they have.

Member of the program "Housing" must necessarily prove that he is a solvent person and will be able to cope with mortgage payments, since the entire cost of an apartment or house will not be paid for him.

The family is allowed to use for.

Particularly much attention in such support from the state is paid to privileged categories of the population.

Priority citizens under the age of 35, and who are:

• police officers;
• military personnel;
• prosecutors;
• scientists;
• rescuers;
• liquidators of the consequences of the Chernobyl accident.

This list can be expanded only by the decision of the President.

subroutines

During the implementation of this program, it is expected that certain routines. These include:

The implementation of these subprograms is important for each region of the country, therefore "Housing" is a federal program used in all cities of Russia.

Due to the above subprograms, the activities of the main program are significantly increased, and coverage of a really large number of young Russians is guaranteed. The work of many companies engaged in the construction of residential buildings is being activated. Demand for apartments and houses is on the rise, as buyers are able to use public funds to partially pay for them.

Which categories of the population can participate

Almost all citizens want to receive support from the state, so they are interested in the opportunity to participate in various unusual events. But not everyone can get such help, as there are certain restrictions.

Participate in the Housing Program Only citizens belonging to the categories can:

Thus, only the above categories of the population have the opportunity to become participants in the Housing program. But, of course, they must have difficulties with the conditions of life, which must be proven in various ways. They must be registered with the state authorities.

Terms

Not only is a potential participant in the program considered to be in the desired population, but also whether they meet numerous other conditions. It is advisable to learn about them directly from the regional authorities.

Basic requirements for all citizens included in the relevant categories are:

Thus, in order to receive government support through the Housing program, numerous requirements must be met.

Even single-parent families can receive a significant subsidy from the state for the purchase of housing, if they qualify.

What documents are required

To participate in the "Housing" program, it is required to prepare a complete package of documents.

They are transferred to the local government, and the authorities of different regions can change the list of documentation.

Required as standard the documents:

• passport of the applicant and all members of his family;
• certificate of marriage or divorce;
• a certificate that will have to be obtained at the place of earnings, indicating the amount of income of a citizen;
• confirmation of the availability of funds in the bank account, which will be sufficient to make the down payment;
• certificate confirming that people need to improve their living conditions.

All documents are transferred to the local administration, but employees of this institution may require some other papers.

The procedure for providing state support

To receive a subsidy from the state under this program, successive actions:

Citizen receives a special certificate, which can only be used through a bank, and its duration is 2 months , therefore, it is urgent to find a suitable property and carry out its purchase.

Thus, the program "Housing" is considered effective and significant for the state, as it implements many important subprograms. It enables people to purchase housing on preferential terms with partial repayment of the cost of real estate at the expense of public funds. To do this, citizens must meet certain requirements and be solvent.

On the rules for providing state assistance to Russian citizens in improving their living conditions, see the following video:

Many of our readers know that you can buy real estate not only with your own money - today in our country there are special subsidy projects and a number of government programs. Using state-provided cash, you can significantly improve your living conditions.

Subsidies and government programs for the purchase of housing- the topic of our today's material. Who can count on subsidies when buying an apartment? What programs are currently in place to help young families, military personnel and low-income categories? We will discuss this in detail below.

First, let's define the concepts of "subsidy" and "state program".

Subsidies

Under the "subsidy" is understood a certain amount of money that the state allocates without the need for a return to improve housing conditions. At the same time, only certain categories of citizens have the right to receive a subsidy. The possibility of obtaining a subsidy, as well as its size, directly depends on compliance with certain conditions. The housing subsidy is issued in accordance with the priority only to citizens classified in two categories: those in need of a qualitative improvement in housing conditions or those requiring state assistance in purchasing their own housing. It must be understood that a housing subsidy can be used to purchase both an apartment in a new building and real estate on the secondary market.

State programs

State programs differ from subsidies primarily in that they have restrictions on the duration of their validity, while they can have a priority or apply to all citizens without any priority. If a housing subsidy is exclusively material gratuitous assistance, then under state housing programs, state support can be expressed not only in monetary terms, but, for example, in the form of providing certain preferential terms when obtaining a housing loan.

We offer you to get acquainted with the most common cash programs for the purchase of real estate.

Maternal capital

One of the most significant forms of support for families with children, aimed at stimulating an increase in the birth rate, is maternity capital. When the second and next child in the family appears (it doesn’t matter if he is born or adopted), the family receives the right to maternity capital. It should be noted that the state supports only responsible motherhood, i. state support measures are not provided to those mothers who are deprived of parental rights. One of the main conditions for obtaining maternity capital is the presence of Russian citizenship: the mother and children must be citizens of the Russian Federation.

Another condition for receiving state assistance is the appearance of a child in a certain time period - starting from 01/01/2007.

The amount of money issued as maternity capital has been constantly increasing since its introduction into practice. If in 2007 (the beginning of the program) the maternity capital was 250 thousand rubles, then in the current 2018 year its size increased to 453,026 rubles, due to inflation indicators.

The state very strictly determines the possible purposes for which the funds of the mother's certificate can be directed: housing, education, the mother's pension savings, and this money can also be used today for the treatment and rehabilitation of a disabled child. In the vast majority of cases, as practice shows, a family's maternity capital certificate is used when purchasing housing or improving living conditions - for buying an apartment, building a private house, as a down payment for equity participation in building a house or for paying a mortgage.

Who receives maternity capital today? The following are entitled to such state support:

1. women who have given birth (adopted) a second child since 01/01/2007;
2. women who have given birth (adopted) a third child or subsequent children since 01/01/2007, if they have not previously exercised the right to receive maternity capital;
3. men who are the sole adopters of the second, third child or subsequent children, if the court decision on adoption has entered into force since 01/01/2007.

It is possible to receive maternity capital only ONCE, while payments are exempt from income tax.

State program "Young family"

"Young Family" is a program of real financial support for young families to acquire housing. The funds allocated under this state program can be used in different ways: spend them on buying an apartment, spend on building your own house, or make them as a down payment on a loan or housing cooperative.

Who has the right to count on subsidies allocated under the Young Family program? Today, families that meet the following conditions can take advantage of the program:

• the age of the spouses or one of them (with an incomplete family) at the time of receiving assistance cannot be more than 35 years;
• citizenship of the Russian Federation plus official registration of relations for a period of at least 12 months;
• the family must have the status of needing better housing conditions;
• the couple needs to show a regular income sufficient to pay monthly loan payments, and also have accumulated funds in order to be able to pay for the part of the cost of the apartment that is not covered by the subsidy.
• the absence of spouses in the property of other housing.

It is important to understand that in different regions of Russia the conditions for participation in the program may differ significantly. At the same time, the advantage is that not only couples with children, but also childless families can count on government assistance under this program.

military mortgage

For military personnel of the Armed Forces of the Russian Federation, there is a specially designed target program that allows you to get a mortgage loan with preferential terms. The mechanism of the program provides for the use of a savings-mortgage system, which allows employees under the contract to become owners of their housing after a certain period of service.

Four categories of military can take advantage of military mortgages:

First- officers of the Armed Forces who signed their first contract no earlier than 01.01.2005.

Second- midshipmen and warrant officers, whose duration of service from 01.01.2005 under the contract is at least 3 years.

Third- soldiers, sailors, foremen and sergeants, whose 2nd contract was concluded not earlier than 01/01/2005.

Fourth– graduates of universities after 01.01.2005, graduates who signed their first contract before 01.01. 2005

How does this program work? Funds will be transferred to the participant's personal savings account on a monthly basis. You can later spend this accumulated amount on the first installment when buying an apartment - after the three-year period of participation in the program.

To take advantage of the opportunity of the Military Mortgage program, we recommend that you get a detailed detailed consultation from a specialist.

So, we figured out what are the most common subsidies and government programs for the purchase of housing. As you can see, today there is an opportunity, with the help of the state, to both improve your living conditions and become the owner of a new home with maximum benefit. We hope this information will be useful to you and will allow you to find the most suitable option for yourself.

Every person, and even more so every family, wants to have their own separate corner in order to build their own nest there. But not everyone can afford to buy an apartment.

It is precisely for such young families that the Young Family program was developed, which in 2017 gained even more popularity among the inhabitants of Russia.

The essence of the program

State program "Young Family" 2017-2020 is aimed at improving the living conditions of the newly minted cells of society, as well as consolidating their positions in financial plan. This project ran from 2011 to 2015. However, Dmitry Medvedev announced a possible extension of the program until 2020. The extension of this program will help many families realize their cherished dream - the acquisition of their own living space. It is planned to provide more than 170,000 Russian couples with housing.

Do not confuse with the Young Family program from Sberbank.

Main conditions and purpose of the program

All such state programs have 2 main goals:

1. Support for the poor.
2. Increase in construction volumes in the Russian Federation.

By reducing market value on housing, many families will be able to afford to buy real estate. Initially, the maximum cost per 1 sq.m should not exceed 30 thousand rubles, however, after the program began to function, this price soared to 35,000 rubles. in certain regions of the country. This jump is due to the fact that prices for Construction Materials increased the cost of land.

The main and only condition of the "Young Family" program is that the location of the future home is determined by representatives of the local authorities. They also approve the developer company, all Required documents, projects on which the house will be built.

Already by July 1, 2017, 25 million square meters of housing, which are located in 67 subjects of the federation, will be ready for delivery.

In addition, each project must be located with a developed infrastructure, and if there is none, then by the time the object is commissioned, all the necessary buildings (parks, hospitals, kindergartens, shopping centers) should be within walking distance. Another important condition concerns the cost of housing. It should not be higher than 80% of the cost of apartments in the city. Price control is carried out on the basis of federal law.

Who can participate in the Young Family Program?

The conditions for program participants remain the same, namely:

• only those families whose dwelling area per each member is less than established in the region of their residence participate in the program;
• spouses must be adults. Another nuance - both must be under the age of 35 at the time of application for participation in the Young Family Program;
• Families that have their own housing are not allowed to participate.
• The government only queues up families that really need an apartment or a house;
• joint residence of spouses;
• minimum income for two - 21,621 rubles, for three - 32,510 rubles;
• at least 1 child in the family;
• all family members, including children, must be citizens of the Russian Federation.

For more information about who, according to Art. 51 of the Housing Code of the Russian Federation is recognized as needing housing:
1) if the citizen (and his relatives with whom he is registered) do not own residential premises, and they do not live in “social housing” (i.e. under a social tenancy agreement);
2) if a citizen (or his relatives who have him registered) owns residential premises, or they live in “social housing” (i.e. under a social tenancy agreement), but the area of ​​\u200b\u200bliving premises for each resident is less than the established (accounting) norm;
The accounting norm for living space, below which a family is defined as needy, varies in the regions of Russia, but on average it is 10-14 square meters. meters per person. The calculation takes into account the total area of ​​​​housing (without balconies and loggias), as well as all citizens officially registered (registered) permanently on it;
3) citizens living in premises that do not meet the necessary requirements, i.e. in emergency housing;
4) citizens living with a patient suffering from a severe form of a chronic disease, in which cohabitation is impossible.
When determining the level of housing provision (i.e. how many square meters per person), it matters:

• where each family member is registered, regardless of the place of actual residence;
• what is the total area of ​​​​all premises, while taking into account: a) premises (including shares) owned by a citizen, b) premises occupied by a citizen under a social contract. hiring, c) premises owned or occupied under a social contract. employment by relatives with whom the citizen is permanently registered;
• and how many people are registered in the considered premises. Thus, if the spouses do not own housing, they still will not be able to get into the program if their parents (who have them registered) have a housing of sufficient size, since the square footage of the parents' property is also taken into account. The family must have their own funds, which, together with the subsidy, will be enough to buy a home, or have income that will allow them to take out a loan for the missing amount. At the same time, funds should be enough to purchase housing, based on the estimated cost, and such an area that each family member has at least the established norm of square meters. meters.

What is the amount of the subsidy? And how to use it?

Each payment case is calculated separately. In order to more accurately know the amount of material compensation, the following calculation principles should be taken as an example:

• Young families without children receive 35% of the price of the housing they purchase;
• If there are children in the family, then the amount of compensation increases to 40% of the amount for the purchased apartment. In cities of federal significance, this interest rate reduced. So, in St. Petersburg and Moscow, childless families can receive 30% of material assistance, while a family with children - 35% of housing cost reimbursement.

Subsidies can be used:

• for the purchase of housing;
• for the construction of their own house;
• for a contribution to the housing cooperative (housing and construction cooperative) for registration of ownership of the apartment;
• for a down payment on a mortgage;
• to pay off debt under a mortgage or other home loan issued before January 1, 2011.

If you meet all of the above criteria and are ready to comply with the necessary points, start collecting a package of documents.

Required documents

Required package of documents for participation in the program:

The application is written according to a standard template (can be found on the State Services website) in 2 copies. The text of the application should contain information on exactly what difficulties the young family is experiencing in terms of housing, as well as a reasoned need for state financial assistance.

After the package of documents has been collected in full, the family should contact the real estate department at the place of residence (or other authorized body), submitting a copy of the application. The applicant takes the second copy with him.
The estimated time for consideration of the application does not exceed 10 working days. After this period, the applicant receives a letter from the department informing him of the decision.
In the case of a positive answer, the young family becomes a participant in the program (however, the certificate is issued only when the queue comes up).

After receiving the certificate, you should contact the bank with it to open an account where the funds will be transferred (this must be done no later than 2 months after receiving the document).

Applicants should pay attention to the fact that the maximum mortgage amount cannot exceed 2.2 million rubles, in addition, it is forbidden to buy secondary housing under the program.

We wish you good luck in solving housing problems and registration!

The legislation of our state constantly develops and implements state support programs aimed at providing citizens of the Russian Federation with the necessary housing space. State social programs for the purchase of housing are a whole range of high-quality measures that are designed to improve the housing condition of single citizens and Russian families through the purchase or construction of residential real estate.

In this material, we will introduce you to the current social programs for the purchase of housing in the Russian Federation.

1. Federal program "Young family - affordable housing"

The current state federal targeted program "young family" has already allowed hundreds of thousands of young families to become owners of new apartments and improve their living conditions. Young families can receive financial assistance from the state if they meet a number of requirements that must be taken into account if they wish to qualify for a housing subsidy:

• The authorized bodies must officially recognize the family in need of providing housing or improving the existing one.
• Each spouse must be no older than 35 years (if the family is incomplete, the same applies to one parent).
• The family must have at least one child.
• The need to provide a certificate of permanent income or existing sum of money, which will allow you to make an initial payment for housing.

To participate in this state program, you must comply with all of the above points.

2. Federal social program "Housing"

The state program "Housing" provides for the development of a special housing market, which will be optimally accessible to the majority of citizens, as well as the provision of such housing to needy categories of Russians. For more successful and high-quality implementation, this social housing program was divided into several subprograms.

1. Subprogram number 1 - "Provision of housing for young families". Under this federal category, those identified as in need of housing or improved housing may be placed on a voluntary waiting list for a subsidy.

The finances that must be fully spent on the acquisition of the required type of real estate are summed up from budget funds and the additional amount that applicants need to have. Maternity capital can also become such an integral part.

But as part of the amount when paying for housing, the targeted use of funds is important (For 2015, maternity capital is represented by an amount of 429 thousand rubles). That is, with the help of mother capital, you can:

• Make a down payment when applying for a loan or loan;
• Successfully make the necessary payments on an existing loan.

For information: " The state budget Russia has already allocated more than 290 billion rubles to finance this "Subprogram 1".

2. Purpose Routines 2 is an " Fulfillment of state obligations to provide housing for categories of citizens established by federal law", which include:

• persons who are officially forced migrants,
• persons who have or had previously been related to the Baikonur complex,
• , employees of the police and other paramilitary departments,
• persons already dismissed from military service, but at the same time registered as needing housing,
• persons affected by radiation exposure at the Mayak enterprise and Chernobyl victims,
• former residents of the Far North.

The project of this program is financed only at the expense of the federal budget, more than 162 billion rubles have already been allocated for the current year.

3. Housing programs for WWII participants and combat veterans

Providing veterans with housing through the state budget has been provided since 2010, and is still in effect. The presidential decree “on providing housing for veterans and participants of the Great Patriotic War and hostilities” also helps the families of the dead servicemen.

The draft of such a social state program implies the allocation of subventions from federal budgets. The amount of subsidies is determined by the indicators of the following factors:

• Number of applicants;
• Total living space of 36 sq. m.;
• Price for 1 sq.m. living space, taking into account a specific region.

The targeted spending of funds issued under this program is strictly regulated, they cannot be used for other purposes.

4. State assistance in purchasing housing for state employees

A specialist who has worked in the public service and has an official experience of a year or more has the full right to a subsidy for the purchase of his own living space. There are a number of things to consider in order to qualify for a subsidy:

1. The person lives in conditions unsuitable for the established level, or in a hostel.
2. A person should not be the owner of real estate or part of it, as well as a member of the family of owners, except in cases where it is necessary to live with a patient with chronic diseases.
3. A person must not have concluded housing rental agreements, as well as a member of a family that has such agreements, provided that the rented area is more than 15 square meters for each resident.
4. A person may be a tenant of communal living space or its owner.

Payment for this type of subsidy is made after the provision of all necessary documentation and registration.

5. "Sustainable development of rural areas" social housing program

For many years, the periphery has been suffering from a shortage of personnel, as educated professionals tend to stay in cities and receive higher wages. Rural regions are gradually dying down, ceasing to develop.

In connection with the current situation, a special state program "Sustainable Development of Rural Territories" was introduced, with the help of which it is necessary to improve the standard of living and provide comfortable living conditions in villages and villages.

The program provides high-quality financial support in the form of:

• Additional financing of social rental agreements under the conditions of subsequent redemption of this housing;
• Implementation of social payments from various sources of the state budget for the purchase of housing or the construction of a residential facility in a rural region;
• Preferential terms of mortgage lending and participation in it of maternity capital.

The program is funded by the state budget for a total amount of more than 300 billion rubles.

If you find yourself in the categories of citizens who are targeted by the described social programs for purchasing housing, then you should contact the relevant government services for advice and receive social assistance for a particular housing program.