Receive a subsidy for the purchase of housing. Subsidy for the purchase of housing - what is it? Civil servants and young professionals

A housing subsidy is government co-financing allocated to certain categories of citizens to improve their living conditions. The subsidy is provided irrevocably, is valid only for a certain period and cannot be used for other purposes.

It looks like a certificate or certificate that can be presented in lieu of a sum of money, but cannot be cashed. A subsidy from the state is usually allocated for the purchase of housing, but can be used as a down payment on a mortgage, as payment for a previously taken out loan for housing, or as a share contribution for a building cooperative. By agreement, you can not buy new housing, but expand or renovate the existing one.

The subsidy is not issued for the full cost of the purchased housing; you will also need your own money or the housing that you plan to sell.
The certificate is valid for six months. If it is not implemented within this period, you can again stand in line to receive a subsidy.
If one certificate has already been received and sold, you cannot apply for a second one.

Amount of subsidy for the purchase of housing

The amount indicated in the certificate is calculated individually each time, taking into account the composition of the family, preferential status, the currently established average price per square meter of real estate, as well as adjustments for certain categories of the population (taking into account the length of service in municipal positions, the number of years in the queue for a subsidy , length of military service). On average, the state program involves financing 35-40% of the cost of housing, but in rural areas the amount can be higher, about 60-70%.

For preliminary calculations, you can use calculators existing on the Internet to calculate subsidies for the purchase of housing for certain categories of the population. The final amount will be known only when you contact the MFC.

Who can receive a subsidy for the purchase of housing in the Krasnodar Territory

According to the government subsidy program in 2016, certificates are issued to the following categories of citizens:

Subsidy for the purchase of housing for young families

There are several programs running at the federal level: “Young Family”, “Affordable Housing for Young Families”, “Housing” (with the subprogram “Providing Housing for Young Families”). As a rule, one or two spouses under 35 years of age, with or without children, with regular income (not only salary, but also scholarships, pensions, and benefits) can take advantage of the right of turn. It is possible to provide a certificate without a queue if the existing housing is in disrepair, does not meet standards, or one of the family members has serious illnesses.

For a family of two people, the standard for square meters is 42 square meters, then the calculation of the subsidy for the purchase of housing is 18 meters per person. In any case, the certificate will cover at least 30% of the cost of housing for childless couples, and 35% for couples with children or a single parent.

Subsidy for the purchase of housing for large families

You can take part in the program if the family has at least three children under 18 years of age, or children under 23 years of age, students or in military service, and the family is low-income and needs to increase their living space. At the same time, it is necessary to recognize through the MFC that the family is low-income, and each family member has few square meters.

The amount of subsidies for the purchase of housing for large families usually reaches 70%, but in some cases (three or more children under 18 years old) it is possible to charge 100% of the standard cost. If housing costs more than it is obtained according to regulatory reports, the missing amount is paid by the recipient of the certificate.

Subsidy for the purchase of housing for military personnel

Payments are only available to those who do not have their own home. If you have your own home, its area will be taken into account in the general standard, and the amount of subsidies for the purchase of housing from the state will be reduced. For a single serviceman, the norm in 2016 is 33 square meters, for a family - 42, if there are children - 18 square meters for each.

But military personnel are still entitled to an increase, calculated taking into account the number of years in military service. In addition, certain categories of military personnel can count on receiving an additional 15 squares (unit commanders, admirals, generals, colonels, marshals, captains of the 1st rank, teachers of military disciplines).

Subsidy for disabled people for the purchase of housing

There are programs from the state, according to which a person with a disability can receive housing free of charge or part of the amount for its purchase. Moreover, the interests of only the disabled person are taken into account, and not his family members (if the disabled person is a child, all family members have the right to a subsidy). But if there are several people with disabilities in a family, they can all be on the waiting list and receive housing. Wheelchair users receive subsidies outside the general queue.

Civil servants;
Young professionals working in the agricultural sector and living in the village;
Orphans;
Persons leaving Khanty-Mansi Autonomous Okrug (subsidies are provided only if they have at least 15 years of work experience).

How to get a housing subsidy

In order to have the right to receive government subsidies in the Krasnodar Territory, you must meet all the conditions imposed on a certain category of the population and the housing they have. You can clarify all the nuances at the regional MFC.

It is important to understand that if a deliberate deterioration of conditions is revealed, the certificate will be denied. This could be either damage to housing, moving in non-family members, exchanging existing living space for a smaller one, etc. Those on the waiting list cannot leave the preferential category or solve housing problems on their own, otherwise they will be denied the subsidy amount.

Documents for receiving a subsidy for the purchase of housing

To register, you need to collect a package of documents, which includes:

passport of the applicant and documents of other family members + marriage certificate;
extract from the house register;
work book and copy of financial account;
documents confirming benefits;
documents for existing housing or lease agreement + copies;
documents for other residential premises owned by the family.

If documents are out of order or incorrect, they will be returned to the applicant. If everything is in order, you will join the other queues and wait for the certificate to be issued. The money will be transferred to the bank account, to the target blocked account. They must be spent within 6 months from the date of issue.

Subsidy for the purchase of housing They call a certain amount, which is expressed in monetary terms, allocated by the state to a citizen or family free of charge.

The amount is always calculated individually.

When providing such a housing benefit, the applicant’s income, the size of the family, the cost of the housing that is planned to be purchased, the correspondence of the apartment’s area to the number of people, and the availability of their own housing by right of ownership are taken into account.

Local authorities have the right to independently increase compensation taking into account the specific requirements of the applicant.

An applicant who wishes to receive funds in the form of a subsidy must meet certain requirements.

You can count on the benefit:

Young families, each member of which has not reached 35 years. Having children is not a requirement.
Military personnel and department employees. In this case, financial assistance is provided not only to working, but also to retired employees.
Resident of the Far North of Russia. The main criterion for obtaining is to reside in the specified territory for at least 15 full years in a row.
Veterans of the Second World War.
Disabled people.
Large families.
Low-income families.
Chernobyl survivors and combatants.

Subsidies for “young families”

The state program “Affordable Housing for Young Families” provides compensation to families that meet the following criteria:

all family members are Russian citizens;
no one in the family has personal property;
the family is solvent and able to pay the resulting difference between the funds allocated under the program and the market price of housing;
do not exceed the age limit.

First of all, such assistance is provided to those citizens who applied for it before March 2005.

The amount of the subsidy is determined taking into account number of children in the family at the time of allocation of funds (under the age of majority) necessary for living living space standards.

The maximum possible amount of housing subsidy:

for families with children – up to 40% from the market value of the apartment;
if there are no children in the family - up to 35%.

Also 5% receive those families who, in the process of allocating assistance, adopt or give birth to a child or children.

The amount is calculated taking into account the area of the apartment for each family member:

for two people – 42 sq. meters;
more than two – 18 sq. meters per person.

The cost of these “squares” may vary depending on the region of residence, prices for finished or under construction apartments.

The subsidy is targeted, that is, it can only be spent on construction. It is also possible, through such assistance, to repay a previously taken out mortgage loan in full or in part.

Required documents for queuing:

passport;
marriage or divorce certificate for single-parent families;
child's birth certificate, if available;
income certificate – 2-NDFL;
extract from the house register;
housing inspection report;
certificate confirming the presence or absence of real estate ownership.

Providing benefits to low-income families

A citizen becomes poor after receiving a status that is assigned to him by the social security authority based on his income, and based on all family members.

A person can obtain this status whose income is below the subsistence level. However, this indicator is calculated by adding the income of all family members and dividing by the number of people it consists of.

That is, wages or other profits are divided among everyone who permanently resides with the citizen: pensioners, disabled people, minor children.

A citizen who avoids work or uses drugs or alcohol will not be recognized as poor.

If a low income is received for reasons beyond the applicant’s control, for example, due to having many children, the status can be assigned.

To receive a housing subsidy, a family recognized as low-income must receive an official document stating that needs improved conditions.

In addition to the lack of square meters, additional conditions will also need to be met:

the family does not rent an apartment under a social tenancy agreement;
none of all its members have personal property documented;
There is a seriously ill person in the family.

The following documents are submitted to the housing subsidies department:

passports and TIN;
extract from the house register;
certificate from the BTI;
certificates issued by the registration and cadastral chambers about the presence or absence of housing in
property.

During 1 calendar month a special commission will make a decision on registering such a family or will refuse if the conditions for receiving assistance are not met. If the answer is yes, a queue number is provided.

Extraordinary receipt of financial assistance is possible if a family’s house or apartment is declared in disrepair or one of its members suffers from a serious illness.

Conditions for provision to large families

Families recognized as having many children can primarily count on receiving subsidies from the state for the purchase or construction of real estate.

Conditions for queuing for assistance:

Having four or more children at the time of receiving assistance.
The total work experience of both parents must be more than 10 years.
At least one parent must have lived in Russia for more than 12 years.
The presence of dilapidated, emergency housing or inadequate space for each family member.

When purchasing an apartment, the subsidy applies only to 42 sq. meters for three family members and 18 sq. meters on all subsequent ones.

Assistance can be provided in cash as part of the housing price or in the form of a housing certificate. It is issued by the developer and is a document confirming the payment of money for the purchase of an apartment.

Documents for receiving financial assistance:

passport of the applicant and other family members;
extract from the house register;
marriage and birth certificates for children;
certificate of absence of housing ownership;
act on housing conditions;
certificate of a large family;
income certificates for working family members.

Receiving subsidies for WWII veterans

The following are entitled to the benefit:

veterans of the Great Patriotic War;
persons with the status of “children of war”;
"blockade survivors";
disabled war veterans;
widows and widowers of veterans.

In such a situation, the amount usually assigned as a subsidy is covering 100% of expenses on, but taking into account the number of square meters per person (no more than the norm).

The following take part in determining the amount of the benefit and the procedure for issuing it, as well as placing it in line:

social security staff;
military commandant's office;
veterans council.

When applying, you must provide the following list of documents:

passport;
certificate of family composition;
marriage certificates, birth certificates of children;
certificate of the presence or absence of other personal property;
an act of checking housing conditions and the conclusion that the citizen needs to improve them;
a document confirming the status of a WWII veteran or a person equivalent to it.

Providing state assistance for people with disabilities

People with disabilities may qualify for benefits when purchasing real estate if the following conditions are met:

The funds received can be spent on purchasing an apartment, house, participating in shared construction, obtaining a mortgage or repaying a previously taken one.

Disabled people who cannot move independently – “wheelchair users” – have an advantage when receiving funds. However, in any case, the uninhabitable condition of the apartment or house must be certified.

In addition to the lack of square meters per person, the following factors are also taken into account:

the housing is in a dilapidated condition or does not meet sanitary standards;
presence of seriously ill people in the family;
living in non-isolated rooms of several families;
living not in your own apartment, but in a hostel, state fund houses or rented housing.

How to get on the waiting list for a housing subsidy?

To receive the benefit you must first to get in line to receive it.

To do this, a complete package of documents, which varies depending on the region and the status of the applicant, must be submitted to the government agency in your city responsible for forming the queue.

After submitting the application, copies and originals of documents, the issue will be considered by the commission. If her decision is positive, the applicant is issued a certificate, and he is put in a queue.

A citizen applying for a subsidy can find out at any time convenient for him how his turn is progressing and wait.

When the turn comes, funds are transferred to a special bank account.

During six months it is necessary to find their intended use: buy a home, pay off a mortgage or take part in shared construction.

Video: Who will receive benefits for purchasing housing?

The story tells how the government program works to provide certain categories of citizens with subsidies for the purchase of housing.

Current Russian legislation provides for the possibility of receiving assistance from the state in order to improve the living conditions of citizens in need. What are subsidies for the purchase of housing in 2018 - 2019, who can count on them, where and how to get them - you will find answers to these and some other questions in this article.

What law regulates the provision of subsidies for apartments?

The provision of subsidies is regulated by law. At the same time, the Housing Code of the Russian Federation only states the need to provide such assistance, while the form of social support and the procedure for its provision are prescribed in separate legal acts for each category of citizens and the corresponding legal acts of the constituent entities of the Russian Federation.

For example, provision of assistance in purchasing housing to civil servants is stated in the Federal Law “On the State Civil Service of the Russian Federation” dated July 27, 2004 No. 79-FZ. The procedure for providing housing subsidies to this category of citizens is described in detail in Decree of the Government of the Russian Federation dated January 27, 2009 No. 63-PP “On providing federal civil servants with a one-time subsidy for the purchase of residential premises.”

What are subsidies for improving living conditions?

Housing subsidies are assistance to citizens in the form of cash payments from local or federal budget funds. It is characterized by two important components:

certainly intended use (in this case, the purchase of housing);
limited period of validity.

At the same time, a subsidy for an apartment is a co-financing option and is irrevocable (free of charge). Essentially, this is a certificate or certificate for a certain amount with a limited validity period, which cannot be cashed out and can only be spent on the purchase of an apartment or house, the area of which does not exceed social norms, or on their construction.

It is allowed to use the certificate as a down payment when applying for a mortgage, to repay a previously taken out housing loan or share contributions when joining a housing construction cooperative. In some cases, it is allowed to spend these funds not on the purchase of new housing, but on expanding the area of an existing one that does not comply with current social standards, or on repair and construction work aimed at improving existing housing conditions.

The housing subsidy does not cover the full cost of housing upon purchase, therefore, persons applying for it must meet one of the options by the time they receive the certificate:

have the funds to pay off the remaining amount;
own housing that is planned to be sold by the time the transaction is concluded;
enter into a mortgage agreement providing for the payment of the missing amount over the next few years.

Those who previously received a subsidy and used the certificate for its intended purpose will not be issued again.

Don't know your rights?

Currently, the legislation provides different time limits for using the subsidy for its intended purpose, depending on the basis for receiving the subsidy. This could be 3, 6 months or another period. Those who were unable for some reason to use the certificate within the established period may apply to receive it again, but on a first-come, first-served basis.

It is important to remember that subsidies for improving housing conditions can only be used to purchase housing that is legally clean, that is, not under arrest or mortgage and not burdened with the rights of other persons. When investing these funds in construction, local governments may limit the possibility of using a subsidy to the degree of readiness of the facility. For example, in Moscow and the Moscow region it is impossible to use state assistance when paying the premium for housing that is less than 70% ready.

What determines the size of the housing subsidy?

The amount for which a certificate is issued depends on many factors and is determined individually in each case. It is influenced by factors such as:

beneficiary category;
the number of members of his family;
the average cost per square meter of housing established by the Ministry of Construction of the Russian Federation, used to calculate subsidies;
the presence of an adjustment factor established by the government specifically to calculate the amount of subsidies for a specific category of citizens - for example, depending on the length of government service, work experience in rural areas, the number of years of military service or the number of years spent on the waiting list for housing.

Thus, for the purchase of housing within the city, on average, assistance is allocated in the amount of 30-40% of the total cost of the purchased property, and for rural workers it can be about 70%. At the same time, the legislation allows public authorities to independently increase the amount of payments above the standard, depending on specific circumstances, if there are financial opportunities for this.

Who is entitled to a free subsidy for the purchase of housing or construction of a house in 2018 - 2019?

Since in most cases subsidies are paid from the local budget, the subjects of the Federation independently determine the list of categories of citizens who can count on these benefits, in addition to the categories established by federal legislation, as well as the procedure for the provision and use of funds allocated to them.

A free subsidy for improving housing conditions in 2018-2019 is offered to the following categories of citizens:

large families with 3 or more children under the age of 18, or with children under the age of 23 continuing their studies at higher educational institutions or undergoing compulsory military service;
young families in which the age of the spouses does not exceed 30 years (see: How a young family can receive a subsidy to improve their living conditions);
civil servants (see: How civil servants can receive a subsidy for the purchase of housing);
public sector employees;
retired military personnel and retirees (see: Providing subsidies for the purchase of housing for military personnel in 2019 and 2020);
young professionals living in rural areas and working in the agro-industrial complex;
orphans and those without parental care;
low-income citizens waiting in line for housing (see: How to get a housing subsidy for the low-income),
veterans, disabled people, participants and families of deceased participants of the Second World War;
persons leaving the territory of the Far North with over 15 years of work experience.

How to get a subsidy for building a house or buying an apartment

Those citizens from the categories listed above who, at the time of filing an application, have the right to improve their living conditions can apply for a subsidy from the state. For example, Decree of the Government of the Russian Federation dated January 27, 2009 No. 63-PP “On providing federal civil servants with a one-time subsidy for the purchase of residential premises” includes among them civil servants living:

in a room of less than 15 square meters. m for each family member;
housing that does not meet the established requirements for residential premises;
communal apartment;
dormitory or service housing;
together with a person suffering from a serious chronic illness that does not allow cohabitation, and who does not have any other housing owned or provided under a social rental agreement (the list of such diseases is determined by the government);
two or more families in a one-room apartment or an adjacent non-isolated room, including parents and their married children.

The list of criteria by which citizens of other categories may be considered in need of improved housing conditions is prescribed in federal or regional regulations governing the issuance of housing subsidies.

At the same time, a representative of any category of beneficiaries cannot apply for a subsidy if the fact of deliberate damage to existing housing is revealed in order to worsen living conditions and obtain the right to a benefit. Such actions include exchange for a smaller area, moving into the premises of persons other than temporary residents, a spouse or minor children, as well as alienation of the premises or part of it.

If, from the moment of registration until the exercise of the right to a subsidy, a citizen independently solves his housing problems or leaves the category of beneficiaries, for example, due to dismissal from service or as a result of relocation from a village to a city, death or for other reasons, he is removed from the register. He may also be denied assistance if it is discovered that the commission has not reported changes in the composition of his family, living conditions, information about his place of work and other factors important for a particular category of beneficiaries.

How to register to receive a subsidy

An application for assistance and a package of documents are submitted to a commission under the government authority responsible for allocating subsidies. In addition to the application addressed to the head of this body for registration, submit:

applicant's passport;
an extract from the house register;
a copy of the financial personal account;
marriage certificate and its copy;
birth certificates of children and their copies;
documents for other family members living together with the applicant;
work book and its copy, or another document confirming membership in the category of beneficiaries entitled to a subsidy;
documents on the ownership of existing housing or a social tenancy agreement, as well as copies thereof;
documents confirming the right to additional space, if any, as well as their copies.

If the applicant or members of his family living with him own or rent other residential premises under a social tenancy agreement, he is obliged to provide information about all of them, since the amount of the subsidy and the required area of the purchased housing will be calculated based on the total area of all available residential premises.

Currently, monetary assistance, the so-called subsidy for certain categories of citizens, is provided as government support for purchasing housing or improving the quality of living conditions.

The legislative framework

The Housing Code itself only enshrines the provision that the state undertakes to subsidize certain preferential categories of individuals in order to improve housing conditions.

Decree of the Government of the Russian Federation of December 17, 2010 No. 1050 “On the federal target program “Housing” for 2015 - 2020”, which approved the Rules for the provision of subsidies from the federal budget to the budgets of the constituent entities of the Russian Federation for co-financing the expenditure obligations of the constituent entities of the Russian Federation for the provision of social benefits for purchase or construction of housing.

All other information, including the list of preferential categories of citizens, is contained in various federal and municipal legislative acts.

Principles of this type of subsidy

A subsidy for the purchase and improvement of living quarters is financial assistance that is provided free of charge.

A citizen who has received a decision to provide him with a subsidy is issued a certificate that can be spent only on certain needs and within a certain period.

As a rule, the amount of the certificate does not fully cover the cost of housing, so citizens are often required to prove that they can independently cover the remaining part of the debt.

Who is eligible

In most cases, subsidy payments are the responsibility of for the budgets of the constituent entities of the federation. Therefore, they are given the right to independently approve the list of preferential categories of individuals who can count on receiving a subsidy. But with certain restrictions - the main list of beneficiaries is established at the federal level and cannot be reduced; it can only be expanded.

Non-repayable financial assistance intended to improve living conditions in 2018 can be provided the following categories of citizens:

Registration procedure

To get in line To consider the issue of granting a subsidy, you must provide the following documents:

After registration, calculation and agreement on the amount of financial assistance, a certificate for the appropriate amount will be issued.

In one of the banks participating in the support program, a person needs to open an IBCS on his own. The allocated amount will be transferred to it. Subsequently, these funds can be used to purchase new real estate or expand an existing one.

An important nuance - the allocated amount cannot be spent on other purposes - and it must be spent within six months.

If the funds are not spent, the money will simply “burn out.” And it will no longer be possible to return them, because... Participation in the assistance program is possible only once.

Amount and calculation procedure

When calculating The size of the allocated subsidy takes into account many factors:

All these factors are taken into account for all family members, regardless of their place of registration and residence.

Another factor that is taken into account when deciding on the allocation and size of a subsidy is determination of the number of families living in the same area.

This is determined by the following criteria:

spouses and their minor children, regardless of the place of registration, are considered members of the same family;
Citizens who live in the same residential area and are united by signs of kinship, but who have their own sources of income, a separate budget and lead a separate household, are considered different families.

Payment terms

Subsidy payment terms Each case is different; they are specified in the document regulating the issuance of a particular subsidy.

For example, for military personnel The following deadlines are established:

Thus, the entire period for transferring a monetary payment to a military personnel does not exceed thirty calendar days, that is, one month.

Features and nuances of providing this subsidy

The amount of the cash subsidy, as well as the possibility of providing it to established categories of citizens, is provided after considering the following factors:

The total income of the family applying for a subsidy, whether they have the opportunity to independently make a down payment on the mortgage;
Family composition, total number of family members, number of dependents and able-bodied people;
Does any family member own residential premises?
Average cost of 1 sq. m of housing in the region in which the subsidy is expected to be received;
How many square meters of living space are there for each family member?

It should be understood that a cash subsidy is not a way to obtain free housing; its purpose is to help citizens improve their living conditions.

Currently in our country there is several subsidy programs citizens:

A subsidy that is provided to a family whose spouses are no more than 35 years old, in other words, a housing subsidy for a young family.
In this case, the amount of the subsidy is also determined by the presence or absence of children. For those couples who have a child at the time of application, the amount is 35% of the cost of housing, for childless couples - 30%. The family must also have a down payment to obtain a mortgage.
Subsidies allocated to the military and certain categories of employees of budgetary organizations. In this case, the subsidy amount is the average market price of an apartment in a given region. The size of the apartment is determined according to sanitary standards based on the number of family members.
Housing subsidy provided to residents of the Far North and equivalent areas. In order for citizens to qualify for this type of subsidy, their period of residence in the above region must be at least 15 years. The size of these payments varies depending on the federal subject in which it is issued.

Cash subsidy for veterans and participants of the Second World War. In this case, the amount of the subsidy covers the full cost of the purchased housing.

Others categories who may qualify for a subsidy:

combatants;
liquidators of the consequences of the explosion of the Chernobyl nuclear power plant;
large families;
low-income families.

As a rule, these categories of citizens have the opportunity to take advantage of the subsidy if the condition of their housing is considered unsafe or unfit for habitation, and its area is less than the established norm of square meters for each resident.

The conditions for providing this assistance from the state are discussed in the following video:

To be able to implement it, you need to have an idea of subsidies for the purchase of housing 2014/15 and navigate the following questions in the article.

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Citizens with cramped living conditions can legally apply for financial support from the state, which is regulated by current Russian legislation.

In the Housing Code of the Russian Federation, the fact of providing assistance is recorded as a necessary action. Information about the form and manner in which this should be done is contained in special legal acts for special categories of citizens and legal acts of the constituent entities of the Russian Federation.

Persons in the civil service have the right to count on government assistance in purchasing real estate, guided by Federal Law No. 79 of July 27, 2004 “On the State Civil Service of the Russian Federation.”

Decree of the Government of Russia No. 63-PP of January 27, 2009 “On providing federal civil servants with a one-time subsidy for the purchase of residential premises” states how subsidies should be provided to such persons.

What do subsidies for improving housing conditions mean?

This concept refers to material assistance paid to citizens from federal or local budget funds. Subsidies are characterized by a targeted use (for example, the purchase of real estate) and a specified period of validity.

A housing subsidy is a free type of equity financing, non-cash targeted assistance. The certificate/certificate issued specifies a certain amount that cannot be cashed out and a specific validity period. These funds can only be used for the purchase of real estate or its construction. At the same time, social housing standards must be strictly observed.

For persons applying for a mortgage, such a certificate can serve as a down payment. It is presented when repaying a loan taken out for the purchase of housing, or when making a share contribution in housing construction cooperatives; the use of a certificate of subsidy is also permitted if it is necessary to expand living space that lags behind social norms, or to carry out construction and repair work in order to improve conditions residence.

A subsidy alone will not be enough to purchase housing. To cover its full cost, in addition to the certificate you will need:

Finance for expenses to pay the balance of the amount;
Housing planned for sale at the time of the transaction with ownership rights;
A mortgage that provides for the repayment of the entire value of a property over a period of several years.

The certificate of subsidy provided for the purchase of an apartment is issued only once, and after use it cannot be renewed again.

According to the law, you can exercise your right to receive non-cash targeted assistance from the state within six months. Those who did not have time to use the certificate will receive it again according to the general queue.

Housing subsidies do not apply to real estate that is under collateral/seizure or encumbered with the rights of other persons. It's just about . In the situation with objects under construction, the use of the certificate is rejected by local governments, depending on the degree of completion of the construction. For example, real estate in Moscow and the region that is 30% unfinished will not be suitable for paying off its partial cost with a subsidy.

How is the amount of subsidies for the purchase of housing determined?

The amount of payment in the certificate is calculated by considering the case with each individual family individually and taking into account the following defining points:

Preferential category of the applicant;
Family size;
The average cost of 1 sq.m. taken into account for the subsidy. m of real estate, as determined by the Ministry of Construction of the Russian Federation;
The adjustment coefficient for various social categories of citizens, established by the government. Thus, the size of the subsidy will be affected by the length of civil service, work experience in rural areas, length of military service, and time spent waiting to receive housing.

For comparison: the subsidy for the purchase of housing in the city will not exceed 30-40% of the cost of the purchased apartment; rural residents will receive about 70% in this case.

By law, government agencies issuing these certificates are authorized to exceed the amount of payments for the circumstances in question if available budgetary funds allow it.

Who is eligible to receive subsidies to improve housing conditions?

Subjects of the Federation are given the right to arbitrarily determine categories of persons in need of such material assistance, in addition to those already established by law. The issue of the procedure for providing and using subsidies for the purchase of an apartment is also decided at the local level.

After all, local budget finances are involved here.
In 2015, the following social categories can count on free targeted assistance in purchasing real estate:
Large families with 3 or more children under 18 years of age, as well as university students or conscripts under 23 years of age;
Families with both spouses under 30 years of age;
Civil servants;
Employees of budgetary organizations;
Demobilized from the army or retirees;
Young agricultural workers;
Orphans and those deprived of parental care;
Low-income individuals awaiting housing;

WWII participants, disabled people, veterans and families of those killed;

Persons with more than 15 years of working experience in the Far North;
According to the Decree of the Government of Russia of January 27, 2009 No. 63-PP “On providing federal civil servants with a one-time subsidy for the purchase of residential premises,” these are civil service employees whose place of residence is:
A room in which each tenant has less than 15 sq.m.;
Housing that does not comply with generally accepted standards of housing conditions (see);
Communal apartment;
Dormitory;

Living space shared with a seriously ill person (according to a list of diseases determined by the government), when cohabitation is unacceptable, and alternative housing is not available or is provided under a social rental agreement (see);

A representative of any benefit group will not be able to apply for a certificate if it is revealed that the fact of deliberate deterioration of living conditions in order to obtain the right to a subsidy is revealed. This implies an exchange with a reduction in living space, the settlement of strangers, or the alienation of property or part of it.

State bodies deregister citizens who have applied and who, before the subsidy is issued, no longer meet the criteria for the preferential category (dismissal, relocation from a village to a city, death) or who purchase housing on their own. If facts about changes in family composition or living conditions, a change of place of work, which affects the determination of a preferential category, are kept silent, obtaining a certificate may also be denied.

What documents are needed to apply for a subsidy for an apartment?

A special commission under the government authority that allocates subsidies accepts the applicant’s application and the necessary documentation.

Registration is carried out after submitting an application addressed to the head of the authority and the following documents:

Passports of the applicant for the subsidy;
Copies of personal bank account;
Marriage certificate with a copy;
Birth certificates with copies;
Documents for all other persons living in the same living space as the applicant;
A work record book with a copy or a document substantiating the right to a benefit;
Social tenancy agreement/certificate of ownership with copies;
Documents on the right to additional living space (if available) with copies.

The amount of the subsidy and the area of the purchased property are calculated based on the total living space occupied by the applicant. Therefore, the commission must be provided with information about all premises owned or rented under a social tenancy agreement.

Within a period specified by law, documents are checked and, if there are violations or failure to confirm the right to receive a subsidy, they are returned to the applicant.

If the results of the check are positive, the commission issues a certificate/certificate issued in the name of the applicant indicating a specific amount. The payment is credited to the registered blocked target account opened by the applicant. This can be done at any bank implementing a housing program.