How to get an apartment for a young family

Acquisition of housing is an extraordinary event for any family, especially for a young family. As a rule, few people become owners of such a gift at the very beginning of family life, the lack of money most often prevents them from buying their own homes. But there are also stories where the inability to obtain housing is simply due to ignorance of the laws and preferences that are given to young families by the state.

First of all, the young people themselves should take into account that before you ask yourself how to get a home, you must observe certain conditions.

First, the right to receive housing with the support of the state has married couples in which both spouses no more than thirty years.

Secondly, at the place of their residence for each tenant on this living space, should not be more than twelve square meters. In these cases, the state is involved in providing targeted assistance in purchasing housing for young families. This assistance is realized within the framework of the state program "Provision of housing for young families." It specifically specifies how to get an apartment for a young family, what procedures are necessary for this, and what resources are required for the initial payment. The program is funded parately - from the funds of both federal and municipal.

The form of rendering assistance to the state in this case is granting a subsidy, the law stipulating that it is exclusively targeted and that the funds provided can only be spent on housing. To ensure the correct use of subsidies, it is provided on a non-cash basis. It is envisaged that the subsidy may be used as a means of payment at the first installment in a shared or cooperative construction or in the construction of a house. The size of the subsidy for families with children is calculated at 40% of the declared value; In the amount of 35% - for families who at the time of filing documents, children do not have.

It is important to take into account this condition: how to get a young family housing? It is possible for this project only if the submission of documents takes place no later than three years from the date of marriage. This condition does not apply to families with children. If the family is incomplete, then there is no restriction on obtaining a subsidy if the above conditions are met.

The question arises, how to get an apartment for a young family in the case when a child is born after submitting documents and receiving a subsidy. In this case, the law provides for the allocation of an additional amount, which is spent on the same terms as the subsidy, that is, it can be directed only at the solution of the housing issue. The amount of this additional amount is determined by local executive authorities. It is also possible to use this money to repay the loan, provided that the loan was issued for the purchase of housing.

To determine how to get an apartment for a young family in the framework of this state program, you need to know some of the limitations that it provides. First of all, the program subsidizes only the area on the basis of the fact that the new apartment will account for at least 18 square meters. Meters of living space per member. Also, before you get an apartment for a young family, you should carefully and pragmatically weigh your financial possibilities in the future, since the program requires non-subsidized 60% (or 65%) to pay for yourself. It will also be necessary to provide exhaustive evidence that the family will be able to fulfill this condition. Otherwise, a subsidy may be refused. The same applies to lending on preferential terms.