At present, it is very difficult for a young family, especially with children, to provide normal living conditions on their own, to buy a spacious comfortable house or apartment. Even a mortgage is something unaffordable, since in a family with small children often only one parent works and it is unlikely that he wages will be enough to provide for the needs of his family and regularly make monthly payments to repay the mortgage loan. There are a majority of such families in the Russian Federation, and in order to solve this problem with housing, a maternity capital program was launched in 2007, which has been successfully operating for 10 years. Most families use maternity capital to improve living conditions. The funds that the state allocates to families with children, of course, will not be enough to purchase a good solid apartment in a large city of Russia, but they will be an excellent help for purchasing housing in mortgage.
Page content
Everyone understands the expression "improvement of living conditions" in their own way, only the funds of the MSC (maternal family capital) can be used for purposes clearly defined by Russian legislation. According to Government Decree No. 862 “On the rules for channeling maternity capital funds to improve housing conditions” dated December 12, 2007, improvement of housing conditions is understood as:
Individual housing construction can be carried out both with the involvement of a contracting group, and without the participation construction organization, that is, on their own. And the purchase of an apartment or house on credit implies the use of MSC to pay the first installment, as well as to repay interest and / or the body of the loan.
A mother of two or more children is eligible for the certificate, provided that the second child was born between 2007 and 2018. A woman who gave birth to a third child during this period can also receive an MSC, regardless of when her older children were born, but provided that she did not receive a certificate for the second child.
Attention! Mothers who have two or more children have the right to receive maternity capital, but only once in their lives. This means that if the certificate was received for the second child, then for the third, fourth, etc. it will no longer be given.
A man can also issue a certificate for maternity capital, but on condition that he is the only legal adopter of two or more children. This may be the case when the mother of his children is deprived of parental rights or simply does not exist (she died, disappeared without a trace, voluntarily abandoned her children, etc.).
They are not eligible to receive maternity capital:
To obtain a certificate, you must:
To date, it is possible to send all documents by mail, provided that copies of all papers are certified by a notary.
If you decide to use a certificate to improve your living conditions, in order to receive money, you must:
The owner of the certificate in the first two months after submitting an application to the PF for the disposal of funds has the full right to revoke it, but if the transfer of funds has already taken place, then another application will have to be submitted with a request to cancel the first one.
Important! The owner of the certificate has the right to spend not the entire amount at once, but only a certain part of it, which is necessary for him for a specific purpose (reconstruction of a house, purchase of an apartment, etc.). The rest of the mother's capital funds can be used in other areas, but only for non-cash payment. It is not possible to withdraw this money.
You can use maternity capital to improve living conditions only after the child reaches 3 years old, but, as you know, every rule has its own exceptions. Certificate holders for MSCs can use these funds much earlier, without waiting until the child is three years old, only in this case they will have much fewer referrals than when using the funds after the child reaches three years of age. In this case, maternity capital can be directed only to:
The requirement to use MSC money only after the child reaches three years is due to the fact that there are many unscrupulous parents who irresponsibly have children for the purpose of profit, after which they give them to the state, that is, they refuse them. It is generally accepted that after the first three years from the date of the appearance of the baby in the family, even the most irresponsible parents wake up parental feelings and instincts. Thus, the state takes care of the rights of children and deprives the temptation of greedy persons to enrich themselves at the expense of the child.
Important! You can use MSC funds to improve housing conditions only by bank transfer. You can cash out only a part of this money, which does not exceed the amount of 25 thousand rubles.
If, before the child reaches the age of three, the money from the mother's capital can only be used to improve housing conditions with the attraction of credit funds, then after three years, according to the legislation of Russia, MSCs can be directed to:
You can spend MSC funds to improve housing conditions in several ways:
Buying a house or apartment on the secondary market is the most common method of improving housing conditions at the expense of maternity capital. This method can be used both before the child reaches the age of three, and after. Only in the first case, a prerequisite is the attraction of credit funds, and in the second, it is possible to get by only with the money of family capital.
If housing is purchased in the first three years after the birth of the baby, then the calculation procedure takes place on the following principles:
When buying a home at your own expense, when the child is over three years old, then:
Reconstruction of the house at the disposal of the owner of the certificate involves the expansion of living space, and construction - the construction of the building from scratch. This direction is available for financing at the expense of MSC funds only after the child reaches 3 years of age.
Features of using maternity capital money for the construction and reconstruction of a residential building:
The procedure for obtaining maternity capital for the construction of a house without the involvement of contractors:
In this case, one of the spouses has the opportunity to cash out the money transferred to his account in the RF PF bank, but he will be required to provide documentary evidence of their intended use, since he has no legal right to spend them on other needs and purposes. These can be checks, invoices and other documents.
Attention! Overhaul is not a reconstruction and therefore cannot be financed from family capital. It is possible to reconstruct (improve) only a private house because the apartment is not expandable.
Recently, young families prefer housing in the primary (especially at the initial stage of construction) than in the secondary market. This trend is due to several factors, the decisive of which is the lower cost of the apartment due to the need to wait for a sufficiently long period until the house is built and put into operation, as well as due to numerous risks.
Against the backdrop of huge competition between developers, many companies agree to participate in the shared construction of certificate holders for MSCs and are ready to meet them halfway, waiting for the initial payment, that is, maternity capital funds, and even making significant discounts on housing for this category of buyers. But in practice, purchasing an apartment in a new building from a developer with the involvement of MSCs turns out to be a little more expensive than without this money. Therefore, it is better to think over everything well and weigh all the pros and cons, and only then make a decision.
Important! The share agreement under which certificate holders purchase housing from the developer must be primary. If the transaction is made on the basis of an agreement on the assignment of rights of claim, then this is already a secondary agreement, which means that this transaction cannot be financed by family capital.
The market value of a spacious apartment or country house for many families is an unbearable burden, even with total income above average. Sometimes a family has the opportunity to borrow the required amount from the bank and pay off a mortgage loan, but to get it, you need to have at least 15-30% of the cost of housing, and this is a very decent amount.
In this case, you can use the money on the certificate and make a down payment when applying for a mortgage at a bank to purchase housing. It is important to remember that cashing out funds from the maternity capital account is prohibited by law, so you will have to wait a certain time for the PF to transfer the required amount to the account of a financial institution.
Majority financial institutions are often denied lending to the population under maternity capital. This is due to the fact that:
This article talks about typical solutions legal issues but each case is individual. If you want to know how to solve your particular problem - contact our consultant for FREE!
Important! It is impossible to speed up the process of crediting MSC funds to a bank account, since in order to receive them, it is necessary to submit a certificate from the bank on obtaining a loan and the amount of debt on it, and this is possible only after concluding an agreement with the bank.
But still, there are banks that are very willing to issue mortgages to certificate holders and have even developed and introduced special lending programs for young families under maternity capital. The leader among them is Sberbank of the Russian Federation.
Sometimes a young family decides to improve their living conditions and apply for a loan to buy a home even before receiving a certificate. In this case, after its execution, they can safely submit an application to the Pension Fund of the Russian Federation and use these funds to pay off part of the debt to the bank or its balance in full, if the MSC has enough money for this. Two months later from the date of filing an application for the disposal of maternity capital funds, the required amount will be transferred to a bank account.
Important! The Borrower has the right to independently establish a payment schedule at its own discretion. This means that the transfer of funds from the MSC can be both a one-time occurrence and a regular one, that is, every month in equal parts.
On the one hand, a one-time payment will significantly reduce the body of the loan and the amount of interest on it, and on the other hand, it is sometimes more profitable to divide the amount of maternity capital into equal parts and make regular payments to pay off the debt to the bank. Remaining funds in the account. capital is indexed annually, due to which there is an increase in the amount of state assistance.
In order to spend money from family capital on one or more of the above areas to improve housing conditions, it is necessary to without fail coordinate your decision with the Pension Fund and obtain from it the appropriate permission. Otherwise, the young family will not be able to use the capital.
Representatives of the Pension Fund of the Russian Federation are obliged to personally verify the suitability of the purchased housing and its compliance with all legislative norms and requirements, as well as the security of the transaction for the acquisition of residential real estate from a legal point of view, and only after that make a decision. Housing, which is purchased at the expense of the certificate, must be worn out by no more than 50%, not in an emergency and located on the territory Russian Federation.
The list of documents for receiving funds from the maternity capital account to improve housing conditions in different cases may change, but regardless of the direction in which this money is used, it is necessary to provide to the Pension Fund of the Russian Federation:
Depending on the intended purpose of family capital funds, you may also need:
A complete list of documents can be found on the official website of the Pension Fund of the Russian Federation, as well as when you personally apply to a branch of the Pension Fund with an application for obtaining the right to dispose of maternity capital funds.
Sometimes circumstances develop in such a way that money is needed here and now and there is no time to wait until the baby is three years old. The state met the needs of young families and identified cases where parents can spend maternity capital money to improve living conditions without waiting for the third birthday of their child. But the only condition that the holders of the certificate must comply with is the attraction of borrowed funds for the purchase of housing or the expansion of living space in an existing house, that is, reconstruction.
The right to use mat. capital until the child reaches the age of three is provided in accordance with Federal Law No. 256, which was adopted on December 29, 2006, and entered into force only in 2009.
Certificate holders have the right, without waiting for the expiration of three years from the date of birth of the baby, to spend MSC money on:
This direction of using funds from the maternity capital account became available to certificate holders quite recently - in 2015. This opportunity allows young families with children to solve the problem of housing and improve their living conditions without waiting for the moment when the baby is three years old. Often the sums of mat. enough capital for the down payment.
To get a state financial assistance For the first mortgage payment, you need to collect the following documents:
If a loan for the purchase of housing or its reconstruction was issued before the birth of the crumbs or before the receipt of the certificate, then the owner of the mat. capital can use it to pay off the resulting debt to banking institution before the child reaches the age of three. In order to receive assistance from the state to pay off interest and the principal part of the debt, it is necessary to submit the following documents to the Pension Fund of the Russian Federation:
The governing documents are:
One of the mandatory requirements for obtaining permission to use maternity capital to improve housing conditions is the allocation of shares to each family member of the certificate holder. In the notary's office, the mother of the children or her legal spouse draw up a document - an obligation to register the purchased apartment or house for each family member. If another baby appeared in the family before the fulfillment of the obligation, then the share in real estate should be allocated to him.
The size of the shares is not regulated by law, so they may be different for each family member, you should only take into account the moment that the Federal Law establishes the minimum allowable living space per person. This figure may vary depending on the regions. Certificate holders can allocate shares to their family members immediately upon registration of ownership of the acquired property or within the first six months from the date of signing the sale and purchase agreement.
Housing can initially be issued to one or both parents, but in this case it is necessary to issue an obligation from a notary to allocate shares to each of the children. The allocation of shares can be carried out in one of the following ways:
To fulfill such an obligation, it is necessary that the fact of allocation of shares to children be registered in the State Register. The allocation of shares for each family member, including children, is necessary to ensure the rights of children, since after registration of property in certain parts for all family members, it will allow them to dispose of only on the basis of permission from the guardianship and guardianship authorities. This means that housing is common property and neither father nor mother will be able to sell, exchange, or give it to anyone, since it was purchased with mat money. capital.
Funds (part of the funds) of maternity (family) capital may be directed to the acquisition (construction) of residential premises. Including on:
1 Acquisition of a dwelling (apartment) or an individual object of individual housing construction, in other words, your own house;
2 Construction or reconstruction of an individual housing construction facility with the involvement of a construction organization;
3 Construction or reconstruction of an individual housing construction facility without the involvement of a contractor, that is, on its own;
4 Compensation for the costs of construction or reconstruction of an individual housing construction facility;
5 Payment of the down payment upon receipt of a loan or loan, including mortgage, for the purchase or construction of housing;
6 Repayment of the principal debt and payment of interest on credits or loans, including mortgages, for the purchase or construction of housing ( credit institution, a credit consumer cooperative, another organization that provides a loan under a loan agreement, the fulfillment of an obligation under which is secured by a mortgage);
7 Payment for participation in shared construction;
8 Payment of an entrance or share fee as a member of housing, housing construction, housing savings cooperatives.
Main condition: the residential premises to be acquired (under construction) must be located on the territory of Russia.
Where can I get a loan for maternity capital for the purchase or construction of housing
According to the law, it is possible to conclude a loan agreement for the purchase or construction of housing using family capital funds with the following organizations:
✓ Credit institution (bank);
✓ Credit consumer cooperative (CPC) or agricultural CPC operating for at least 3 years from the date of state registration;
✓ A single development institution in the housing sector, defined by Federal Law No. 225-FZ of July 13, 2015. Previously, it was the Agency for Housing Mortgage Lending (AHML), and now its functions are performed by JSC Dom.rf.
It should be noted that the lender must transfer the loan funds by bank transfer - to the personal account of the certificate holder or his spouse in a credit institution.
How many loans can be taken under maternity capital
The law does not strictly provide for restrictions on the number of loans that maternity capital funds can be used to pay. Therefore, mother capital can be used to repay not only one, but even two or more housing loans at the same time.
How to apply for maternity capital to improve housing conditions up to 3 years
Theoretically, it is possible to spend maternal (family) capital or part of it only after three years have passed since the birth or adoption of the second, third and subsequent children. But when using mother's capital to buy housing, the state gives relief.
You can use maternity capital to improve housing conditions earlier than in three years.
If it is necessary to repay the main debt and pay interest on loans and borrowings, including mortgages, for the purchase or construction of housing, then maternity capital funds can be used without waiting three years from the date of birth (adoption) of the child. Moreover, this possibility does not depend on the date of conclusion of the loan agreement.
In addition, today maternity capital can also be used as a down payment on a mortgage. Russian President Vladimir Putin also signed a law that allows the use of maternity capital to pay the down payment on a mortgage loan, without waiting for the child to reach the age of three, in connection with the birth or adoption of which the right to additional state support measures arose.
Maternity capital for improving housing conditions: how to spend money on apartment renovation
It would seem that repairing an apartment is also an improvement in living conditions, but this is not so. The area of housing even during the most expensive renovation does not increase, which means that repairs cannot be called a real improvement in living conditions. And accordingly, the funds of maternity (family) capital cannot be used for the repair of an apartment, the purchase of furniture and for other household needs, since this is not provided for by law.
Where to go
An application for the disposal of maternity (family) capital can be submitted to any territorial body of the Pension Fund of Russia or through the "Citizen's Personal Account" in electronic form.
The main legal acts regulating the right to receive a certificate, the procedure for granting and the rules for obtaining are:
Federal Law No. 256 of 2006 defines possible legal options for using capital to improve the living conditions of a family:
Dear readers! The article talks about typical ways to solve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:
APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.
It's fast and IS FREE!
The following can apply for a certificate:
You can only get a certificate once.
Video: maternity capital for improving housing conditions
There are some restrictions when using mother capital. The most important of them is the impossibility of removing Money until the child is three years old.
However, early use of the certificate is legally permitted in the following cases:
All options for the use of funds can be divided into two groups:
You need to contact the branch pension fund or at the MFC.
Money can be sent to:
This can be done in the following ways:
Funds can be used for:
After submitting the necessary documents to the Pension Fund of Russia, half of the maternity capital funds are allocated.
With these funds, you can start construction works. After six months, you must again go to the FIU, report on the money spent and provide confirmation of all construction costs (, etc.).
If all expenses are justified, and the payment documents are true, the Pension Fund transfers the rest of the money to the family.
Reconstruction carried out at the expense of public funds is:
In order for the Pension Fund to approve the planned renovation of your home, you must provide:
To receive a certificate for maternity capital, you must meet strict criteria:
At any convenient time, you need to make a visit to the branch of the Pension Fund or the MFC.
Applications are processed automatically. The main thing is that all necessary documents are collected and attached. No one has the right to refuse a family to receive a certificate.
List:
This government program helps large families receive the necessary financial assistance. The amount of state aid at the moment is 453,026 rubles. In most cases, maternity capital is used to improve their housing situation. Expansion of living space is a very hot topic for today's families. Thanks to this state program thousands of families were able to get new property or improve their existing apartment/house.
The law allows the use of mother capital for various kinds of real estate transactions. First, the family must determine what exactly they will purchase as living space. The dwelling is:
You can improve your living conditions in the following ways:
The contract of sale with the use of maternity capital has the following points:
The buyer and seller must agree in writing to the transaction:
First, the mother needs to visit the Pension Fund. Conditions for obtaining maternity capital:
To obtain a certificate, it is important that the second and subsequent child was born or adopted between 2007 and 2020. The father of the child is also entitled to receive the certificate, subject to the following conditions:
| Name of documents | Rosreestr | FIU | Bank | Authority of guardianship and guardianship |
| Provided by the seller | ||||
| Document confirming the ownership of real estate | + | + | + | + |
| The document on the basis of which the seller purchased the property | + | + | + | + |
| Help BTI, technical or cadastral passport | + | + | + | |
| Extract from state register real estate issued at least a month in advance. | + | + | + | |
| Marriage certificate | + | + | + | |
| Spouse's permission (certified by a notary), if the property is jointly acquired | + | + | + | + |
| Consent of the guardianship authority to the sale of shares belonging to children | + | + | + | |
| Provided by the buyer | ||||
| maternity capital certificate | + | + | + | |
| Application for the disposal of maternity capital | + | |||
| The obligation of parents to allocate children's shares after the acquisition of housing | + | + | + | |
| Loan agreement | + | + | + | |
| Evaluation Conclusion | + | + | + | |
| Consent of the spouse, certified by a notary, for the pledge of real estate | + | + | ||
| Consent of the guardianship authorities to pledge property related to the shares of children | + | + | ||
| Help 2-NDFL or in the form of a bank | + | |||
Information about sources of income:
|
+ | |||
| Land documents | + | + | ||
| Consent for construction or renovation | + | + | ||
| Certificate of the Pension Fund on the amount of the balance of maternity capital | + | |||
| Provide both sides | ||||
| Passports and birth certificates of all parties to the transaction | + | + | + | + |
| Preliminary contract of sale | + | + | + | |
| Final contract of sale | + | + | + | + |
With partial repayment of debt, there are two ways to recalculate the payment schedule:
The process of repaying a mortgage with a certificate has the following steps:
The main list of requirements when buying a property includes:
Emergency housing is not allowed. The land must be owned by the family. You cannot buy land with a certificate, but you can buy land with an existing house or a partially built dwelling.
The family can build a house on their own or by hiring a special construction company. And also to close spending on existing housing built after 2006
If the family carries out the construction on their own, the funds will not be received immediately:
If the family built the house from their own funds, then they can receive compensation at the expense of the certificate. Here you need to send all bills and receipts to the Pension Fund.
Now families mainly buy real estate in the secondary market. There are two ways:
If the family wants to use the funds immediately, the applicant must indicate this in the mortgage application. The contract always contains information about the amount of time for the transfer of funds to the seller. This period is 60 days. During the first two months, family members pay interest on the mortgage on their own, only then can this be done with the help of a certificate.
Features of this operation:
If the child is over 3 years old, then the funds under the certificate will go to the seller's account. Deal Features:
The seller can add a clause to the contract about the period for applying to the Pension Fund for transferring money. Usually given 10 days.
There are two reasons why you can buy shares using a certificate:
You can not buy a part in the "odnushka". Housing must comply with all standards and requirements.
Here people invest their money in the construction of a new house. Such a transaction costs less than a regular purchase and sale. Participants must have a certain amount to participate in the construction.
Here, funds under the certificate can be received only after the child is three years old. Because family members will owe the construction company, not the bank. The family has the right to invest both their own money and money allocated by the state.
If the family does not have enough money, then you can:
The certificate is issued for the whole family, so when improving housing, each family member must receive a share, including children under 18 years old. Parents can allocate shares to children themselves, but they should not be less than 12 square meters.
Since the contract is concluded between 3 parties, such a transaction has some features:
After the age of 14, children can manage their share themselves. Until then, the interests of the children are represented by their parents or legal guardians.
A family can receive the entire amount of maternity capital at once or in parts.
It is impossible to buy land with maternity capital funds, since this object is recognized as a non-residential fund. But families are allowed to purchase land with an already built or partially built house/cottage.
Social financing programs provide for the transfer of state aid to child care. One of the support measures Russian families with 2 or more children - maternity capital. The issuance of money to the owner of the certificate on hand is not provided. The basic rules for using maternity capital funds to improve housing conditions are prescribed by the Decree of the Government of the Russian Federation (hereinafter referred to as the Russian Federation) dated December 12, 2007 No. 862.
Obtaining maternity capital to improve housing conditions is one of the most common reasons for applying for it to PFR employees. Families with 2 or more children often need to expand their living space and make plans for its implementation. The title documentation provides for the possibility to send the funds of the certificate:
In order to direct maternity capital to improve housing conditions, clear requirements must be observed. They concern:
| Acquisition | Full-fledged ready-made separate housing |
| Rooms (or several), provided that after the purchase, family members become the owners of the isolated premises | |
| Construction and / or reconstruction | The object of individual housing construction (hereinafter - IZHS) independently |
| Compensation for costs already incurred in the implementation of these activities | |
| Detached house with the involvement of a construction company | |
| Closing mortgages or targeted loans issued for the purchase, construction, expansion of housing | Making the first installment |
| Repayment of the main part of the debt | |
| Payment of accrued interest on a loan | |
| Participation in the shared construction of a housing stock or array | Transfer of entrance and/or share fee |
| Payment under the contract on account of closing the price of housing and / or its parts |
The state guarantees the protection of children's rights. The funds of the mother capital are transferred by the branch of the Pension Fund of Russia (hereinafter referred to as the PFR) in a non-cash way for documented purposes, which should include the interests of each child. A citizen who decides to purchase or reconstruct real estate with the funds of mother capital is obliged to issue fractional ownership. As a result of the transaction, all family members should become co-owners of the new housing.
Sometimes the fulfillment of this condition is temporarily not feasible - for example, an apartment is registered to a debtor who took it on a mortgage with the involvement of certificate funds. In this case, the owner of the premises must draw up and certify in a notary's office a documentary obligation to re-register the property in the ownership of all family members, including children whose birth took place before the end of the loan.
Parents receive the right to dispose of maternity capital for the purchase of housing upon reaching the age of 3 by the child on whom he relies. While his age is younger, you can use the certificate only when buying real estate with a targeted bank loan or a mortgage for a one-time payment of a down payment, to pay off the principal or interest on it.
The owner of the maternity certificate, who decides to allocate funds for the purchase of housing, should choose an object that meets the characteristics stipulated by the requirements of the Pension Fund of the Russian Federation. The property to be purchased must:
The procedure for acquiring real estate under a sale and purchase agreement with the involvement of certificate funds can be carried out by parents only after the child is 3 years old, on which maternity capital relies. There are three parties involved in the transaction:
Purchase and sale is carried out with a deferred payment: the PFR transfers money to the seller within 2 months. Because of this model contract should include the following amendments:
Improving living conditions by purchasing suitable real estate can have 2 options: the certificate funds cover the cost of acquiring the premises in full, the future owner needs to add personal savings to the mother's capital. If parents choose the second way, the transaction is divided into 2 stages:
In order to receive the capital to pay for the purchase of housing, the applicant must submit the following package of documents to the FIU officer:
| Standard | Additional |
| Civil passports of the Russian Federation of both parents | Copy of the sales contract |
| Mother certificate | Proof of ownership of the home (if the contract contains a relevant clause) |
| The insurance number of the individual personal account (hereinafter referred to as SNILS) of the applicant. | Extract from the Unified State Register of Real Estate (hereinafter - USRN) |
| Marriage or divorce certificate | An order issued by a notary on the obligation to allocate shares after the final settlement with a guarantee that minor children will receive a residence permit in the new premises |
After the PFR employees receive an application from the parents for permission to dispose of maternity capital funds, its consideration begins, which takes 1 calendar month. During this period, a positive or negative decision is made. If the application is approved, the money is transferred to the owner of the certificate - no later than 60 days from the date of submission of the application.
The construction or expansion of the IZHS facility can be carried out in 2 ways: independently (on its own), with the involvement of a construction organization. If a individual house was put into operation after 2006, the owners will be able to recover the costs associated with its construction or reconstruction from financial resources maternal certificate.
If the parents decide to build or reconstruct a house on their own, the PFR will transfer maternity capital to them for improving their living conditions in 2 stages: 50% before the construction of the individual housing construction begins, the rest - six months after confirmation of the fact that the main work has been carried out. The FIU officer needs to submit the following documents:
| To transfer ½ of the amount of the certificate | To get the remainder |
| Standard Package | Papers with the results of the main work on the construction or reconstruction individual home- they should record that the total area of \u200b\u200bthe dwelling has increased by at least 1 accounting standard - 18 square meters. m / 1 person, established by Art. fifty Housing Code RF (hereinafter referred to as the LC RF) (issued by a multifunctional center at the place of residence of the applicant or through the Gosuslugi portal - gosuslugi.ru) |
A document confirming any of the following rights to land plot location of the IZHS object:
(The land plot must meet the requirements of the classifier put into effect by the Order of the Ministry economic development RF dated September 1, 2014 No. 540) |
|
| When restructuring a finished object - a copy of the document confirming the rights to it | |
| Permission to build or reconstruct an individual house | |
| Certificate of availability of a bank account for the owner of the IZHS object | |
When engaging a developer under a contract for the purpose of erecting or reconstructing an individual housing construction project, the certificate holder must go through the same sequence of actions as in the case of improving housing conditions on their own. The additional package of documents will be slightly different. In addition to the papers listed above, an agreement is required building contract. The final recipient of matkapital funds is also different. Upon completion of the main work, the PFR will transfer them to the account of the construction company.
In order to receive reimbursement for the construction or expansion of the IZHS facility upon its readiness, one should keep a strict record of all costs incurred in the process of activities: keep contracts for work, for example, installation of structures, and the provision of services, receipts and checks confirming the purchase of building materials. All papers must be collected in an additional package and submitted to the FIU officer. When building a new house, ownership of it must be registered no earlier than 01/01/2007.
During the reconstruction of the IZHS facility, the algorithm of actions and the package of documents are similar to the cases described above. Owners of an individual house who have started its expansion must take into account the following technical nuances:
Often urban planning organizations attract money from future residents for the upcoming construction of a new apartment building. Finished real estate offered by the primary market may be for family budget heavy. Compared to its cost, relatively inexpensive offers of participation in shared construction look more attractive. Deal algorithm:
Investment in housing and participation in shared construction are regulated in detail by the Federal Law of the Russian Federation (hereinafter referred to as the Federal Law of the Russian Federation) dated December 30, 2004 No. 214-FZ. Additional package of documents:
You can buy an apartment through a cooperative: housing (hereinafter - LCD), housing construction (hereinafter - ZhSK) or housing savings (hereinafter - ZhNK). The design of the process has 2 main distinguishing nuances: you can move into a new premises only upon covering 50% of its cost, ownership is registered strictly after the entire amount of money has been paid in payment of its price under the contract. Additional package of documents:
According to federal law of the Russian Federation (hereinafter - the Federal Law of the Russian Federation) dated December 29, 2006 No. 256-FZ, parents can direct maternity capital funds to close a bank mortgage loan and / or target loan issued for the purchase, construction or reconstruction of housing, before the child who has secured the right to receive state support turns 3 years old. In this case, the FIU allows the use of a certificate in 2 areas:
Since 2015, the funds of the maternity certificate can be used to pay the down payment when buying a home, without waiting for the child to be three years old. The amount may be enough to cover it completely. Additional package of original documents and their copies:
With the financial resources of mother capital, you can pay for the body of the loan, the principal debt on a mortgage loan and interest on them. The additional package of papers that will need to be provided to the PRF employee depends on the banking agreement. Documents for repaying a mortgage with maternity capital:
