In the budget of a young family, every penny counts. She still has to solve the issue of providing for themselves and the kids, with housing. In 2021, the state will help young families with the purchase of housing, as well as provide certain payments.
In Russia, there is a program "Providing affordable and comfortable housing..." (Decree of the Government of the Russian Federation N1710 of December 30, 2017). It is designed for families in need of housing, where each of the spouses is not more than 35 years old. They can also be single citizens raising at least one child.
The received funds can be used for: repayment of an existing mortgage; payment of the initial payment fee; purchase of housing.
The documents are accepted at the local administration. Funds in the amount of 30-35% of the real estate value are allocated on a first-come, first-served basis. Priority is given to socially vulnerable families. Each municipality has the right to set its own criteria for evaluating candidates.
A preferential mortgage allows you to get a loan for the purchase of housing at a rate of 5-6%. Applications are accepted from families where the second or subsequent children were born from 01.01.2018 to 31.12.2022, or there is a disabled child born before 31.12.2022. The program is extended until 31.12.2022. If the baby is born in the period from 01.07.2022 to 31.12.2022, lending is possible until 01.03.2023.
If the family has a third or subsequent child after 01.01.2019, the state is ready to provide 450,000 rubles to repay the mortgage loan. Documents confirming the birth of a new citizen are provided to the bank. The funds will be credited directly to the loan account.
A young family, where the spouses are not more than 35 years old, will be paid in 2021: benefits for pregnancy. For employees, its value is determined based on the amount of earnings. The billing period is 70 days before delivery and the same amount after. The funds are paid by the employer. The unemployed receive assistance through social protection; one-time cash assistance at the birth of the baby. Its size is 18,021. 59 rubles; regional aid in the replenishment of the family. The size is determined by the authorities of a particular subject; allowance for a child under the age of 1.5 years. For employees, it corresponds to 40% of earnings (a maximum of 29,600 rubles). For the unemployed – 6 752 rubles; funds for families with children under 3 years of age, provided that the income in terms of each member for the last year does not exceed 2 subsistence minimums of the region. Assistance is equal to one living wage. Matkapital funds are used for payments.
In connection with the coronavirus, families with children aged 3-7 years are paid half of the regional subsistence minimum monthly. On average, this is 5,500 rubles. Applications had to be submitted before 01.06.2020 through Public Services, MFC or Social Protection. Support is provided to low-income families.