Екатерина Чернявская
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Сегодня в ходе послания Федеральному собранию Президент РФ Владимир Путин отметил, что рождение и воспитание детей не должно приводить к резкому снижению уровня благосостояния семей. В связи с этим он предложил распространить льготу на весь срок действия ипотечного кредита для семей с детьми. Программа льготного ипотечного кредитования для таких семей действует с января прошлого года, в рамках которой государство субсидирует выплату процентной ставки сверх 6%. По общему правилу, льгота при рождении второго ребенка действует в течение трех лет с даты выдачи кредита, третьего ребенка – в течение пяти лет с указанной даты. По словам президента, ею воспользовалось лишь 4,5 тыс. семей по причине того, что покупка жилья – это долгосрочная перспектива, а не на три-пять лет, которые государство субсидирует ипотеку. Ожидается, что в этом году для предоставления бессрочной льготной ипотеки понадобится 7,6 млрд руб., в следующем году – 21,7 млрд руб., а в 2021 году – 30,6 млрд руб. Предполагается, что программа сможет помочь 600 тыс. семей.
Помимо этого в числе предлагаемых Президентом РФ мер поддержки для семей с детьми – погашение напрямую из федерального бюджета 450 тыс. руб. ипотечного кредита семьи, в которой родилось более двух детей. В случае принятия эта мера социальной поддержки будет применяться с 1 января этого года. Также Правительству РФ и Банку России поручено снизить ставку по ипотеке до 9%, а затем – до 8% и ниже. Причем не исключено и появление «ипотечных каникул» – отсрочки по платежам для всех граждан, лишившихся дохода.
Кроме того, планируется сделать выплаты при рождении первого или второго ребенка доступными для большего количества семей. Напомним, что с 1 января прошлого года она производится семьям со среднедушевым доходом, не превышающим полуторакратную величину прожиточного минимума трудоспособного населения, установленного в субъекте Федерации за второй квартал предыдущего года до достижения ребенком полутора лет. Размер такой выплаты равен размеру прожиточного минимума для детей в регионе (ч. 1-2, ч. 5 ст. 1 Федерального закона от 28 декабря 2017 г. № 418-ФЗ «О ежемесячных выплатах семьям, имеющим детей»). C 1 января 2020 года право на такую выплату предлагается предоставлять семьям со среднедушевым доходом, не превышающим двукратную величину прожиточного минимума трудоспособного населения, установленного в регионе за второй квартал предыдущего года.
И наконец, Владимир Путин предложил с 1 июля этого года поднять размер пособия по уходу за детьми с инвалидностью и за инвалидами с детства I группы до 10 тыс. руб. В настоящий момент его величина составляет 5,5 тыс. руб. (подп. «а» п. 1 Указа Президента РФ от 26 февраля 2013 г. № 175 «О ежемесячных выплатах лицам, осуществляющим уход за детьми-инвалидами и инвалидами с детства I группы»).
Right on my man!
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