In early 2018, the Federal mortgage subsidy program was launched. Young families in which from 01.01.2018 to 31.12.2022 there was a second or subsequent child, have the right to issue a loan for the purchase of housing in new buildings at 6% per annum, subject to payment of an initial payment of 20% of the cost of the object. At the birth of the third baby, the benefits are extended for another 5 years. This year, the Federation Council proposed to include in the project the real estate of the secondary market. The corresponding document has already been submitted to the government for consideration.
The expansion of the program is planned to be put into effect retroactively - from 01.01.2019. To do this, it is necessary to allocate an additional 55 billion rubles from the budget at the rate of three years.
During the entire period of the benefit, only 4,500 families out of 600,000 in need of better housing conditions used it. Advantages of "secondary school" for young families: - housing is located in residential areas with developed infrastructure (roads, kindergartens, schools, clinics, shops, entertainment centers, parks, playgrounds); - the facilities have long been put into operation, there is no need to wait for the completion of construction; - the property is transferred to new settlers in the form prepared for settlement, with connected communications, completed finishing works; - the cost of square meters in the secondary market is lower.
An important advantage of the initiatives of the Federation Council is that residents of regions with low rates of new housing construction will be able to participate in the program.