Основные положения, цели и условия участия в программе «Жилище» в 2021 – 2021 году
Программа «Жилище» направлена на помощь в приобретении жилой недвижимости некоторым категориям населения. В ее рамках существует несколько подпрограмм, утвержденных Постановление Правительства РФ от 17.12.2010 N 1050 (ред. от 20.11.2018) "О реализации отдельных мероприятий государственной программы Российской Федерации "Обеспечение доступным и комфортным жильем и коммунальными услугами граждан Российской Федерации", Постановление Правительства РФ от 25.08.2015 N 889 "О внесении изменений в постановление Правительства Российской Федерации от 17 декабря 2010 г. N 1050". Несмотря на различия в деталях, они все имеют общую суть – предоставление денег от государства на частичное погашение цены жилья.
Условия программы «Жилище». Кто может получить субсидию
Содержание
Федеральная программа «Жилище» 2015-2021 предназначена для целевого финансирования:
- молодых семей, где муж и жена не достигли возраста 35 лет;
- сотрудников МВД и органов прокуратуры;
- граждан, участвующих в ликвидации последствий аварии на Чернобыльской АЭС;
- лиц, переселенных из режимных городов;
- лиц, переселенных из области, прилегающей к космодрому «Байконур»;
- неполных молодых семей, где ребенка (детей) воспитывает только мать или отец.
Программа “Молодая семья” предусматривает расход средств:
- приобретения первичной или вторичной жилплощади (бюджетные средства направляются на оплату выкупной стоимости, погашение последнего паевого взноса при долевом строительстве либо компенсацию первоначального ипотечного взноса);
- возведение индивидуального жилого дома (для оплаты услуг строительной компании).
Условия получения субсидии
Чтобы принять участие в государственной программе «Жилище для молодых семей» на 2016-2021 годы, граждане должны соответствовать следующим условиям:
- гражданство Российской Федерации;
- возраст обоих супругов до 35 лет – лицам, уже достигшим этого возраста, не рекомендуется подавать заявку на участие, поскольку рассматривается она в течение года. За это время супруги уже утратят право на получение субсидии в виду превышения возрастного ценза;
- наличие стабильного дохода – государственная помощь «покрывает» только часть стоимости недвижимости, остальные средства супруги обязаны погасить за свой счет. В этих целях могут использоваться личные, кредитные деньги или сертификат о материнском капитале;
- признание в официальном порядке нуждающимися провести улучшение жилищных условий – таковыми считаются лица, живущие в арендованном помещении либо имеющие на праве собственности жилище, площадь которого из расчета на одного на человека не соответствует требованиям санитарных норм. Также к данной категории относятся лица, проживающие на одной жилплощади с тяжело больным человеком, в виду чего совместное проживание с ним невозможно.
Если муж или жена уже имеют жилье на праве собственности, они не вправе подавать заявку на участие в федеральной целевой программе «Молодая семья 2016-2021.
Сроки реализации
Изначально федеральная целевая программа «Жилище» действовала до 2015 года, в настоящее время Кабмин продлил ее «работу» до 2021 года.
Порядок оформления
Право на участие в программе для молодой семьи на покупку жилья в 2016-2021 году оформляется в несколько этапов:
- явка в исполнительный орган с советующими Заявление на участие в подпрограмме "Обеспечение жильем молодых семей" федеральной целевой программы "Жилище" на 2015 - 2020 годы и Заявление на право получения социальной выплаты на приобретение жилого помещения или строительство индивидуального жилого дома, а также списком необходимых документов;
- проверка всех бумаг уполномоченными должностными лицами (проводится в течение 10 дней с даты обращения);
- вынесение решения о допуске соискателей к участию в программе либо об отказе (поводом для отказа служит неполнота или недостоверность сведений, а также несоблюдение возрастного ценза хотя бы одним из супругов, наличие в собственности «нормального» жилища, ранее полученная аналогичная жилищная субсидия);
- уведомление соискателя о принятом решении (не позднее 5 дней с момента его вынесения);
- извещение участников местным органом власти о необходимости подготовки документов для вручения свидетельства о предоставлении государственной субсидии;
- предоставление соискателями указанных бумаг (на это отводится 15 дней с даты извещения);
- получение свидетельства;
- перечисление субсидии (бюджетные средства перечисляются на специальный банковский счет, открытый на имя соискателя).
Чтобы воспользоваться деньгами по программе «Жилище» для молодых семей на 2016-2021 годы, соискатели предоставляют в банк:
- договор купли-продажи (подряда, ипотечного кредитования, долевого участия);
- сведения о наличии средств для оплаты остальной части стоимости;
- выписку из ЕГРН о праве на приобретаемую недвижимость;
- свидетельство участника государственной программы.
При достоверности и достаточности названных сведений банк производит выплату лицу (продавцу, подрядной или кредитной организации), в пользу которого супруги должны осуществить платеж.
Важно знать, что, свидетельство должно быть передано в банк не позже 30 дней с даты его вручения. В противном случае оно не будет принято. Однако в случае просрочки свидетельство заменяется на «новое».
Список документов
Для участия в федеральной целевой программе «Жилище» супруги предоставляют в местный исполнительный орган:
- паспорта;
- свидетельство о браке (не требуется для неполной семьи);
- справку, подтверждающую, необходимость улучшения жилища;
- письменные сведения о наличии дополнительного дохода;
- акт жилищно- бытового обследования (при совместном проживании с тяжело больным);
- справка о размере дохода, приходящегося на каждого члена семьи.
Эффективность программы
Программа «Жилище» на 2016-2021 годы доказала свою эффективность. Благодаря ее действию миллионы россиян смогли решить свой «квартирный вопрос». Дополнительный толчок к развитию получило строительство жилья и городские инфраструктуры. Социальная ипотека для семей стала более доступной в виду снижения размера первоначального взноса.
Перспективы развития
При надлежащей реализации федеральная целевая программа «Жилище» к 2021 году позволит обеспечить «квадратными метрами» около 99 тысяч семей, а также привлечет на рынок недвижимости дополнительные средства, в виде кредитов и собственных сбережений граждан. Одной из наиболее значимых перспектив программы обеспечения жильем молодых семей на 2015-2021 годы является стимулирование рождаемости и укрепление оптимистических тенденций в российской демографии.
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