Annotation

The article analyses systemic legal gaps in the mechanisms of state housing support for families with children, implemented through financial and legal instruments: the maternity (family) capital, subsidized mortgage programmes, and social benefit schemes. Particular attention is given to the tension between formal requirements of civil circulation-specifically, the principle that ownership rights arise only upon state registration-and public-law guarantees designed to protect the interests of minors when maternity capital is used to acquire housing. The study also addresses disproportions in age- and asset-based eligibility criteria for support measures: it substantiates raising the upper age threshold for “young families”, extending the age limit for children (up to 14 years), and increasing the maximum loan amounts under subsidized mortgage programmes-to RUB 20 million in major metropolitan areas and RUB 12 million in other regions. The proposed solutions are comprehensive and systemic, aiming to enhance the effectiveness of housing policy in achieving the national development goals of the Russian Federation, particularly as a tool for implementing the right to housing and stimulating fertility.