How to cope with life if you were born into a dysfunctional family

Many people perceive a family figuratively as people gathered in one room who are obliged to endure a common life, and ultimately tolerate each other. They often don’t think about the fact that family is about working on relationships, love, and growing together. It is the main mistake – taking loved ones “for granted” – that underlies conflicts, imbalance and family breakdown. Some internal adaptation mechanism does not allow us to face the truth and begin to change something. And even better - to prevent making the main mistakes of living together, which slowly but surely destroy the family.

Conditions of the Young Family program

newlyweds who do not yet have children can take advantage of a 30% discount;
if a young couple has one child, then they have the right to buy housing at 35% cheaper;
single-parent families will also receive a subsidy of 35% or more.
spouses without children must have Russian passports;
in families where there are one or more children, one of the parents must be a citizen of the Russian Federation.
in an incomplete family, the parent must also have a Russian passport.

These are the most basic conditions of the Young Family program. Until how many years, what the most important conditions should be - we have considered this. Now you should familiarize yourself with the difficulties that a married couple may encounter when submitting documents to government agencies, the city administration or the MFC.

If a family had previously been in line to receive housing (for example, in the USSR there were such programs and after the collapse of the “Union” they continued to operate), then the registration date can be changed to an earlier one and the family can automatically get into the first row to receive money from the state.

They can be children and without children.
It is mandatory to have Russian citizenship for at least 5 years.
Spouses must be recognized as needing housing.
A citizen may not have a spouse if he has Russian citizenship and children.
The applicant has never participated in this program.

The housing issue is acute for most Russians. One of the real opportunities to solve this problem is to attract borrowed funds, but existing banking offers are not suitable for everyone. For preferential categories of citizens, which include young families, banking institutions together with the state are developing special programs. Their essence is to provide funds for the purchase and construction of their own housing under special conditions.

It turns out that the main difficulty of any young family is the lack of living space. Many huddle in small dorm rooms, some rent apartments, but still most often a family of 3-4 people has no more than 20-25 meters of living space. But according to social norms, this is not enough for a full life and raising children.

In addition, each project must be located with a developed infrastructure, and if there is none, then by the time the project is commissioned, all necessary buildings (parks, hospitals, kindergartens, shopping centers) must be within walking distance. Another important condition concerns the cost of housing. It should not be higher than 80% of the cost of apartments in the city. Price control is carried out on the basis of federal law.

Before receiving assistance from the state, applicants must have a certain amount of money, which will be enough to purchase housing with an area calculated according to the norms of a square meter per person. Also, a family must be recognized as needy based on the following standards: for 2 people less than 42 m², and for 3 people - 18 m².

How to obtain the status of someone in need of improved housing conditions

An incomplete list of documents was provided, or errors, inconsistencies and shortcomings were found in them.
The applicant does not have the right to be recognized as in need of new housing (i.e. does not belong to the category of those who can be assigned this status). This may relate to housing size, income and other conditions.
The applicant violated the deadline for resubmitting documents.

There are cases when a citizen is recognized as needy for a number of reasons (for example, he lives in an apartment that is too small, located in a dilapidated building). In this case, he can receive financial support from the state only for one program that he chooses independently.

We recommend reading: When can you drill in an apartment? Law 2020 Moscow region

Specifics of status

Which family is considered low-income? Its characteristics are enshrined in legislation. To obtain the status of a low-income family, the income of each member must be below the subsistence level established in the region of its residence.

To calculate, you need to divide the total amount of income for three months by 3 (the number of months). The result obtained is divided by the number of family members. Accordingly, if the amount does not reach the subsistence level, you can begin registration.

A low-income family can receive:

Labor benefits.
Income from the use of property.
Social benefits.
Profit from farming.
Alimony.
Royalty.
Severance pay.
Dividends.

All these amounts are taken into account when calculating the average monthly income per family member.

One of the conditions for recognizing a family as low-income is the absence of able-bodied but unemployed persons in it.

Which family is considered low-income?

After the expiration of the benefit period, the loan will need to be repaid at a rate equal to no more than the refinancing rate established at the time of drawing up the loan agreement, plus two percentage points. And the state compensates the bank for lost income in the amount of the difference between the refinancing rate on the first day of the month in which the subsidy is provided and six percent.

No more than 35 years for a single parent or both spouses.
Having the status of those in need of improved housing conditions. The number of square meters per person in each region of Russia is determined individually.
Stable income to repay the loan for at least one working spouse.
There is money to pay the down payment (20% of the value of the purchased property).
The couple must be registered at the 1st address.

To provide housing to families in need, many banks are launching preferential programs where lending is carried out at reduced rates and on favorable terms for the borrower. In addition, living conditions can be improved within the framework of the “Young Family” state program.

If a young family decides to take out a mortgage, then the state provides support in the amount of 30 or 40% of the cost of the chosen housing. A subsidy of 30% is allocated to a young family if they do not yet have children, and if they have at least one minor child, the subsidy reaches 40%. But it is important to understand that this percentage is indicated when estimating the average cost of housing, which may vary depending on the region.

Families whose average income per person does not exceed the subsistence level are recognized as low-income. To determine this indicator, you must first calculate the total family income received in kind and in cash over the previous 3 months. Taken into account:

salaries;
benefits;
different payment plans;
income from property (for example, from rent);
royalties;
profit on shares, etc.

The next important criterion that a family must meet to be recognized as poor is the onset of a difficult financial situation for reasons beyond their control. This means that families in which able-bodied people are not employed due to their unwillingness (for example, alcoholics or drug addicts) are not entitled to claim benefits intended for truly needy families.

Only a family in which all adults work or are at least registered with the employment service can be recognized as low-income and count on government support. The exception is women on maternity leave.

As for the composition of a low-income family: since the concept of “family” is not precisely defined by law, there are many options. The following families may be classified as low-income:

with one parent raising one or more children;
with two parents and with or without children;
large;
consisting of grandparents and grandchildren; stepmothers/stepfathers and stepsons; guardians and wards.

We invite you to familiarize yourself with: The amount of damage for initiating a criminal case under Article 158 of the Criminal Code of the Russian Federation in 2020: what amount does fraud start from, the minimum amount of money theft

Improving living conditions for young families in 2020

Application in the prescribed form;
Documents on family income (certificates from the place of work of both spouses);
Certificates of property (housing, car, etc.), if the family has any.

A family will be recognized as low-income if the social protection authorities recognize that over the next 20 years it will not be able to buy a house or apartment on its own.

“Improving living conditions for young families in 2020” (30%). The state compensates needy family citizens for part of the price of a house or apartment.
"Housing" (30-35%). The budget finances a share of the cost of an economy-class apartment in multi-storey buildings.
“Affordable housing” (30-40%). Providing state financial assistance for the construction of a house or apartment when participating in shared construction.
“Young family” (30-35%). Issuance of funds for the purchase of a home or payment of a down payment to the bank.

In some regions of Russia, a gubernatorial program is being implemented, within the framework of which young families are provided with financial assistance of up to 30-40% of the price of housing.

Subjects of law

According to the norms, any family that meets the requirements can be recognized as poor. However, its composition does not matter. Families can be subjects of law:

Large families (with three or more children).
Full (children are raised by two parents or spouses do not have children).
Incomplete (one parent).
The members of which are disabled people.
With adopted/fostered children.
Without parents. In them, other relatives (grandparents, aunts, etc.) are involved in raising and supporting children.

A mandatory condition for recognizing a low-income family is living together and registering at the same address.

Appealing the refusal to register a young family in need of improved housing conditions

When the court evaluates the evidence presented, it also takes into account whether the young family actually lives at the registration address, or whether there is only registration at the place of residence (the so-called “propiska”), and in reality the young family lives at a different address.

2. If the spouses not only changed their place of residence, but at the same time at least one of them was alienated from real estate, then in this case, if registration of those in need is refused in order to be included in the number of participants in the program to support young families in purchasing housing, upon application The following circumstances must be proven in court:

Who is considered a young family for a mortgage?

Specialists who determine the level of housing compliance take into account the place of registration of each family member, the total area of all available housing and how many people are registered there. The property of the spouses' parents, if the family submitting the application is registered with them, is also taken into account.

Federal legislation allows regional authorities to co-finance the program. This feature allows you to additionally allocate a few percent from local budgets. But applicants should understand that additional assistance is a voluntary act of regional and municipal authorities, and not an obligation.

6. Hello, I need financial help. My wife and I and two children, one daughter is 3 years old and the other is 1 year old, rent a house. I can’t buy my own apartment, I earn 24,000 rubles. This money is only enough to support the family and pay for a rented apartment. My wife was laid off from her job more than three months ago, we have no additional income. Now there is no other way out; any financial assistance will do. Sberbank card 4817760055290211 QIWI 79657470043.

7. My dears, I want to ask you for help. I am a mother of 3 children, the youngest is 10 months old, the oldest is 5 years old, the middle one is 4 years old. My three children and I are wandering around rented apartments; I have never had my own home and probably never will have one again. My husband left me after much abuse, found someone else and left me with the children.

I am sick, my physical condition is not very good. I’m tired of hearing and seeing how my children want something, but I can’t give them what they want, they don’t even always see ordinary fruit. I can’t work, I live alone, I have no one to leave my children with. I don’t drink, I don’t smoking, raising their children as best I can myself.

I wash the floors in the store, but this money is barely enough to pay for a room in a communal apartment. I believe in kind, warm-hearted people who do not live in bare poverty. I want my children to have a childhood; no one needs us in this world. We have no one except you, even our husband, the father of our children left us. But I know there is a God and he will help us. He will give us people to help us. Sberbank card 40817810930006574993.

To obtain the status of a low-income family, and therefore the opportunity to receive assistance from the state, you must first contact the social welfare department at your place of registration and submit a package of documents:

passports;
relevant statement;
birth certificates of persons under 18 years of age and marriage certificates;
an extract from the house register;
notification of family composition;
documents confirming income received in the prescribed form;
documents confirming the ownership of the property;
in some cases - work books, certificates from the employment center, certificates of disability, etc.

All information provided must be accurate and complete. If falsification or submission of knowingly false data is detected, the family cannot be recognized as poor.

If the documents are submitted in the required volume, the commission makes a decision within 10 days on the possibility of assigning the family low-income status. Only in special cases can this period be extended to a month.

If the location of any family member is unknown, this does not allow one to correctly determine the average per capita income. Therefore, benefits to low-income families are paid only if a criminal investigation is initiated by the police department.

In addition, to receive some benefits and preferences, you must contact other government bodies and submit a more complete package of documents. For example, the issue of housing subsidies is decided by the local executive authority. Here you should additionally submit a document confirming the absence of debt on utility bills.

Benefits for children under three years of age

Many citizens, for objective reasons, experience financial problems and are unable to provide for themselves or their children. Such persons are entitled to assistance from the state. How to obtain the status of a low-income family?

First of all, you should write a statement. It must be submitted to the territorial social protection authority or to the MFC. A package of documents is attached to the application. Low-income families are subject to all provisions of the law concerning the accuracy and completeness of information provided to government agencies. If acts of fraud or concealment of sources of cash receipts are detected, the corresponding status will not be assigned.

If a family member is serving a criminal sentence, is on the wanted list, is a military serviceman, or is declared missing, a document confirming this is required.

After submitting an application and a package of documents to a specialist from the MFC or territorial social protection unit, they are transferred to a special commission. She reviews the case and makes a decision. The commission is given no more than a month for this. If all documents are in order, the family will receive low-income status.

It must be said right away that parents of a 1.5-3 year old child can only count on minor payments. Since the late 90s, the benefit amount has been 50 rubles. Regional authorities, however, are taking certain measures to correct the situation.

At the beginning of January 2020, many regions resumed monthly payments for the third child in a low-income family. This became possible because the president of the country adopted a special decree recommending the return of benefits.

Almost all regions implemented the recommendations of the Head of State. The benefit was returned in 70 regions. Payment is made until the child reaches 3 years of age. Its amount is equal to the subsistence minimum calculated for a child in a particular region.

At the same time, regional authorities provide regulations for additional subsidies for low-income families, including for children over 3 years old. Increased amounts of payments have also been established if citizens are raising a disabled child or there are other grounds for providing a larger amount.

If the parent is employed, then all lump sum payments are provided to her through the employer. Members of low-income families need to submit applications and documents only to the territorial social protection department or MFC. Employment does not matter in this case. To assign payments to specialists of the MFC or social security authority, the following are provided:

Statement.
Parents' passports with copies.
Saints about the birth of children with copies.
Details of the bank account to which the transfer will be made.
SNILS with a copy.

This is a general list of required documents. The territorial department of social protection may require additional papers.

We invite you to read: Young family promotion Sberbank

Documents for subsidy

To become a low-income family, one of its members submits:

Statement. It is drawn up in the approved form. As a rule, the application is filled out by an employee of the MFC or the territorial social protection department.
Passports, birth certificates of family members.
Documents proving relationship.
Certificate of family composition.
Extract from the house register. It must contain information about all persons registered at the family’s residential address.
Income certificates.
List of property and title documents for it.

If there are temporarily unemployed people in the family, a certificate from the Employment Service and a work book are required.

If one of the close relatives is a person who requires special care for health reasons, a medical report is attached to the listed papers.

Low-income families can receive benefits for housing and utilities. Subsidies are provided if these expenses exceed 22% of the total income of all family members. In regions, however, a lower figure may be set. Thus, in St. Petersburg, needy citizens can receive a subsidy at 14%, and in Moscow at 10%.

For low-income families, the figure is even lower, since a reducing factor applies. It is determined by the ratio of average per capita income to the subsistence level in the subject.

As in previous cases, to receive benefits you need to write an application. Attached to it:

Passports of family members over 14 years of age, birth certificates of minors.
SNILS.
Certificate of marriage/divorce (if available).
Adoption document.
Help by f. 9, which indicates all persons living in the premises.
Documents confirming the income of each family member. The certificate must contain information for the last 6 months. Income includes scholarships, pensions, unemployment benefits, salaries, and other payments.
Documents confirming the status of family members. We are talking, in particular, about a pension certificate, a certificate of disability, etc.
Copies of work records (if one of the relatives is not employed).
A document confirming the status of a low-income family.
A social tenancy agreement or a certificate certifying the ownership of housing.
Receipts for payment of housing, a certificate of absence of debts on utility bills.
Bank account details for transferring funds.

This list is not exhaustive. In each specific case, specialists from the authorized body may require additional documents. For example, other documents are required if one of the persons registered in the residential premises left for a while (in connection with military service, to serve a criminal sentence, etc.).

As a rule, citizens apply for subsidies to the Housing Committee or another structure with similar functions. In addition, you can submit documents to the MFC, and from there specialists will forward them to the right department. Within 10 days, the authorized body is obliged to make a positive decision and notify the applicant about it. If there is a refusal, the applicant must be notified within five days.

Subsidies are provided to low-income families for six months. At the end of this period, it is necessary to re-confirm the right to state support.

Criteria for recognizing those in need of improved housing conditions 2020

according to Art. 49 low-income families and those in need of improved housing conditions are required to be registered (a number of categories have the right to receive temporary housing);
in Art. 51 provides a list of citizens who may be considered in need of assistance to resolve their housing issue.

passports of family members;
children's birth certificates;
marriage certificate or certificate from the registry office;
pensioner, disabled person and military ID cards;
certificates of family composition, all citizens registered in the living space, and their registration;
medical documents to confirm disability or serious illness;
notifications from employers, from places of study of children, students;
housing registration certificate from the BTI, sanitary passport and other documents;
an act confirming the inspection of the apartment by authorized specialists;
decision to recognize a family as low-income;
extract from Rosreestr.

One-time payments

The state provides various types of financial assistance to low-income families. The amount of payments depends on various circumstances. They can be accrued one time or monthly.

In the first case, a payment to a low-income family is made in connection with some legally significant event.

Benefits are provided free of charge and financed from budgets at various levels.

As a rule, they are provided for by regulations adopted at the municipal level. The amount of such payments to low-income families should be clarified at the place of residence with the territorial social protection authorities.

One-time benefits can also be provided from the federal budget. They are usually provided for the birth of a child. Their value does not depend on the size of the family’s income. The main payments can be considered:

For registration in the early stages of pregnancy - 632.76 rubles.
For adoption/birth – RUB 16,873.54.
Pregnant wives of conscripts in the Armed Forces, if the pregnancy is 180 days or more - RUB 26,721.01.
For guardianship/adoption/guardianship of a disabled child, several children who are brothers/sisters, a child over seven years old – RUB 128,927.58.

Monthly benefits for low-income families are provided for parents who do not have the right to maternity capital (at the birth of their first child). The calculation is also carried out based on the cost of living. If the income per spouse does not exceed 1.5 monthly wages, a monthly allowance is assigned. For low-income families, it is also paid until the child reaches one and a half years old.

The amount of the payment is equal to the subsistence minimum established in the 2nd quarter of 2020 in the corresponding region (a similar amount is deducted monthly from the capital). It should be taken into account that payments for the first-born child of a low-income family are financed from the federal budget. As for deductions from maternal capital, Pension Fund funds are used here.

Payment amounts may vary depending on the region. Knowing the cost of living in a particular region, you can determine what benefit a low-income family will receive this year:

Moscow – 14,252 rubles.
Murmansk region – 15,048 rub.
Novosibirsk region – 11,545 rub.
Udmurtia – 8964 rub.
Chukotka – 22,222 rubles.

For the child of a contract employee, 11,451.86 rubles will be paid monthly.

Lawyer's advice: Grounds for recognizing citizens as needing improved housing conditions

If a citizen and (or) members of his family have several residential premises occupied under social tenancy agreements and (or) owned by them by right of ownership, the level of provision with the total area of the residential premises is determined based on the total total area of all these residential premises.

Applications for registration must be accompanied by documents confirming the right of the relevant citizens to be registered as those in need of residential premises. The citizen who has submitted an application for registration is issued a receipt for these documents indicating their list and the date of their receipt by the body carrying out the registration.

08 Feb 2020 juristsib 286

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Which family is considered low-income?

Children under 18 years of age. In case of continuing full-time studies, the period for payment of state support is extended to 23 years;
Single mothers, and one parent in a complete family caring for the child;
Disabled persons who are subject to restrictions established according to certain criteria;
Pensioners under 65 years of age;
Large families, provided that the average per capita income for each family member is below the subsistence level established in the region.

Social assistance to low-income families is provided in quite a variety of forms. This can be direct cash payments in the form of benefits or scholarships, or assistance in kind (for example, clothing, medicine, shoes, fuel, etc.).

When receiving assistance as a low-income family, the right to receive payments and benefits intended for all families with children is not lost. This refers to one-time and monthly benefits for the birth and upbringing of children, maternity capital, etc.

In addition, benefits for low-income families are provided at various levels - both regional and federal. Regional assistance is developed for each federal subject separately and is planned every year. It's quite varied. Often, benefits are paid for children from low-income families. Its size depends on the size and composition of a particular family, as well as the age of the child.

Federal assistance is provided in the following forms:

Tax benefits. Their essence lies in the exemption from taxation of benefits and subsidies received by low-income families from federal and local budgets. A prerequisite for using this benefit is that payments must be made within the framework of approved programs.
Housing subsidies. They consist of helping low-income families pay utility bills and housing itself. Government assistance applies to both homeowners and renters. According to the law, housing costs are borne by the residents themselves in the amount of no more than 22% of the total family income. For low-income families, this size is reduced using special coefficients and calculations. This subsidy is provided for 6 months. After this time, subsidy payments may be resumed.
Legal assistance provided free of charge. Low-income families have the right to consultation with a professional lawyer in any form - written or oral. In addition, they have the right to count, if necessary, on representing their interests in court free of charge. This right allows low-income families to receive advice regarding the payment of benefits.
Benefits in education. Children from low-income families can enter higher and secondary educational institutions without participating in a general competition for applicants. However, this requires the following conditions to be met:
During the Unified State Exam or an exam at a university, the child scored at least the minimum acceptable number of points to consider passing the test successful;
child under 20 years of age.

We invite you to read: What documents are needed for payments to low-income families?

In 2020, pregnant women from low-income families can count on benefits in the following amount:

for registration up to 12 weeks - 581 rubles (for regions);
monthly maternity benefit for the unemployed, if the dismissal occurred for reasons beyond her control (liquidation of the company, bankruptcy) - 534 rubles;
a one-time payment at the birth of a child - 15,500 rubles are credited to the woman’s account (for Muscovites);
one-time benefit for wives of military personnel in the third trimester of pregnancy - 24,500 rubles;
when foster children are raised by parents from a low-income family, 15,500 rubles are paid monthly for each dependent.

In 2020, low-income families with children receive monthly assistance in the following amounts:

for a child under 1.5 years old - one parent 40% of average earnings, but not less than 2,900 for the first child and not less than 5,800 rubles for the second and subsequent ones;
for the third and each subsequent child under 3 years old - 9396 rubles;
for a child under 5 years of age from the family of a military serviceman serving under a contract - 10,500 rubles;
benefits for the loss of a breadwinner for a military personnel - 2,117 rubles;
for a child from 7 to 16 or 18 years old - from 100 to 1,000 rubles.

In 2020, parents from low-income families retain the right to:

work with preferential working conditions;
lowering the retirement age;
exemption from the need to pay a registration fee for entrepreneurs.

For a low-income family as a whole, the right to:

preferential mortgage;
extraordinary garden plot;
subsidies for paying utility bills for up to six months;
the right to visit museums, exhibitions, parks once a month.

The main innovation of 2020 was the expansion of the list of socially significant services financed from the city budget to pay for nanny services to young low-income families. This innovation was received very positively, especially by single-parent families and families who could not enroll their child in kindergarten.

In 2020, innovations primarily affected the educational sector. The problem with kindergartens for low-income families was resolved. This happened thanks to the decision to assign children from such families to preschool institutions out of turn.

Another important innovation: a child from a low-income family can enter a higher state educational institution under the following conditions:

age up to 20 years;
successfully passing school exams (USE) and achieving the minimum passing score for university entrance exams;
one of the parents has the first group of disability and is the only breadwinner in the family.

In addition, this year children from low-income families will retain the right to:

admission to a preschool institution out of turn;
purchasing food from a dairy kitchen;
free two meals a day in the school canteen;
obtaining the necessary medications (if there are children under 6 years of age);
free school and sports uniforms;
50% discount once a year on travel for a child and one parent on intercity transport for treatment or recovery and back.

As for the cost of living, on which the possibility of classifying a family as low-income depends, it will not change significantly in 2020 and will remain at the level of 8,700 rubles per capita.

Maternal capital

One-time payments also include maternity capital if a low-income family, despite the low level of income, has a second, third or next child. The payment amount is the same throughout the country and does not depend on the address of residence. For 2020, the value is 453,026 rubles.

It is worth saying that the State Duma made amendments to the regulations regulating the procedure for using maternal capital funds. In 2020, subjects will have the opportunity to spend them monthly on current needs. This right is granted to parents from low-income families. From 01/01/2018, if the average per capita income is less than 1.5 times the subsistence minimum, maternity capital can be spent in installments every month. The recipient will be one of the parents.

It should be noted that the income of family members is determined by the cost of living established for the second quarter of 2020. Monthly payments will stop when the child reaches one and a half years of age. The remainder of the capital can be spent on other purposes defined by law.