You can take out a loan with a subsidy by becoming a participant in one of the state programs. In particular, such a program exists for young families who can count on receiving subsidies by purchasing a house or apartment on credit. The subsidy is intended to pay the first installment that banks require when obtaining a mortgage loan.
Instructions
Step 1
If you are a young family, complete or incomplete, with or without children, you can count on getting a loan with a subsidy. A young family is considered one in which the age of the spouses does not exceed 35 years. An additional condition is a high income that allows you to repay the loan and a documented need to improve housing conditions. To do this, it is necessary that for each family member in the place where they live, there is less than 14 square meters of total area.
Step 2
If there are no children in the family, you can expect to receive 35% of the estimated cost of the purchased housing. If you have children, the subsidy percentage can be 40%. Well, if you, having become a participant in the program, decide to give birth or adopt a child, then for each you will be entitled to additional state funding in the amount of 5%.
Step 3
Ask if this program is valid in your region, since only those constituent entities of the Federation that have applied for participation in the Federal Agency for Construction and Housing and Communal Services participate in it. You will need to collect a package of documents. Take the uniform application form from the local government unit authorized to deal with the Young Family program. Fill it out in duplicate. After registration, keep one copy for yourself.
Step 4
Attach certified copies of passports of adult family members and birth certificates of children to the application. For a complete family, a marriage certificate is required. You will also need a document confirming that you need to improve your living conditions; a document stating that the family's income allows you to pay off the loan, the amount of which exceeds the amount of the subsidy. In the package of documents enclose an extract from the house book and a copy of the financial personal account.
Step 5
The self-government body compiles a list of families that have expressed a desire to participate in the loan program. This list must be submitted to the administration of the constituent entity of the Russian Federation before September 1 of the year preceding the planned participation in the program. There, an application for the allocation of budgetary funding is formed, which must be transferred to Rostroy. On its basis, next year, money will be allocated under the "Young Family" program.
