With the right to receive maternity capital, a family can purchase their own housing. All the necessary information about the program is present in the Federal Law No. 256 dated December 29, 2006. It entered into force on January 1, 2007. The law indicates the rules and terms for the transfer of maternity capital when buying a home. Read more about this in the article.
About the program
Maternal capital involves a subsidy from the state, which is provided to families where a second child has appeared. Families and guardians can receive this benefit if the baby appears later than January 1, 2007. The amount is constantly increasing. If the family did not use the money, then next year, taking into account the inflation rate, the amount due for payment will be reviewed.
Funds cannot be used at their discretion. There is a list of requirements for the applicant. He needs to provide documents to the FIU and indicate the purpose of the money in the application. Funds may be spent on:
- Increase in living space.
- Children education.
- Social adaptation of a disabled child.
- Formation of a funded mother's pension.
- Receipt of payment.
If other ways of using the funds are to be applied, the liability stipulated by law shall ensue. Sanctions are indicated in Federal Law No. 256. The timing of transfers of maternity capital when buying a home is described below.
Pay
What is the term for transferring maternity capital when buying a home if a one-time payment is chosen? It is standard, as in other cases. But in order to get a positive solution, you need to provide a lot of documents.
Payment of maternity capital in cash of 25 thousand rubles occurs within 30 days, if the application is approved. You can find out about the necessary documents in the PDF, which you plan to contact.
Documents
The term for transferring maternity capital when buying a home to pay for a mortgage is also 30 days, but for this you need to prepare the necessary documents. To pay off a mortgage, you will need:
- Passports
- Statements.
- SNILS mother.
- Certificates of birth and marriage.
- Certificate.
Of the additional documents, a loan agreement, housing papers and an obligation to provide shares to children may be required. This obligation is executed by a notary public. Its price can be 1-12 thousand rubles.
If the funds will be used for the first payment or purchase of housing in the secondary market, a standard list of documents, an extract from the Unified State Register of Enterprises confirming the transfer of ownership, as well as a contract of sale are required. If the apartment is in a house under construction, then an equity agreement is needed.
It is also possible to use federal money to acquire land and build a residential building. Then, the building permit, estimate, construction plan and extract from the Unified State Register confirming the purchase of land are added to the documentation.
How many days do maternity capital be transferred to the seller? Funds are received within 60 days after the submission of documents. But it is important that there is approval. In other situations for the purchase of housing, it is required to draw up an obligation to share shares, and then an agreement is drawn up and shares are divided. But this is done after eliminating the burden and putting the facility into operation.
Regional assistance
The federal program was perceived positively by the authorities in the regions, and they established local maternal capital in order to stimulate the birth rate. Its amount is less than that paid by the state and usually amounts to 10, 50, 100 thousand rubles. For example, in the Novosibirsk and Kemerovo Regions, 100 thousand rubles are issued, and in the Altai and Trans-Baikal Territories - 50 thousand, in the Kursk Region - up to 75 thousand. The maximum is provided in the Kabardino-Balkarian Republic and is equal to 350 thousand rubles.
Differences between the federal and regional programs
Federal funds are transferred through the FIU, and regional funds are issued through the department of benefits. He is in the administration. To receive money, you will need a passport, birth certificate, application. This is a standard list of documents, but in each region it can be increased, so it is important to clarify this.
Typically, funds from the regional budget are provided with the birth of 3 and subsequent children. And with the advent of 2 children, only money under the federal program is issued. Transfer of funds for the purchase of a house or apartment is carried out in a timely manner. For regional programs, it usually amounts to 30-90 days from the date of submission of the application.
Transfer money to the bank
To pay for a mortgage to buy a house or apartment, you must provide a standard list of documents, a commitment, a loan agreement and real estate papers. A certificate of debt balance is also needed. After the maternity capital has been credited, a new repayment schedule should be taken if the debt is not covered. In this case, the payment will be reduced.
If the loan is closed, then you need to draw up a certificate of this, a mortgage, pay the state duty to the Federal Registration Service and contact this institution to remove the burden. After that, a children's share is allocated with notarization. The price of this document is 1% of the housing price + 3-5 thousand rubles for technical wiring.
Is it possible to change the terms?
Will it be possible to change the terms for crediting funds when registering maternity capital for the purchase of housing? This cannot be done. Everything is carried out according to the norms of the Federal Law No. 256 of December 29, 2006. But there is a chance of a delay of 3-4 days. This is due to banking transactions.
With interbank transactions, funds can be transferred in 3-5 banking days. Therefore, if the money is sent on the 30th day, they will arrive on the 33-35th day. But this is not a violation, since the funds were sent in a thirty-day period.
Conditions
With money you can buy a house, apartment, room. It is important that the property does not have burdens. The object must be registered in the property with the possibility of registration of all family members, otherwise the sale of housing can not take place.
An important condition for the use of maternity capital when buying a home is considered to be the provision by the certificate holder of a written obligation certified by a notary that he must register all family members for 6 months.
Since 2014, the program has been amended regarding the purchase of a room. Purchase is possible with:
- The isolation of the room.
- Lack of common areas.
- Sufficient space to accommodate all family members.
- If the room is not considered part of a 1-room apartment.
By law, living quarters are not subject to alienation. Therefore, it is impossible to acquire them for maternity capital. If you plan to spend the money to pay the first installment of the mortgage, then you must do this immediately after the birth of 2 children. You can buy a house without a loan, if you have personal savings.
A house can also be bought on the basis of maternity capital. This object must meet certain requirements:
- Connection to communications.
- Suitability for living all year round.
- Finding nearby infrastructure.
- Belonging to the land plot of IZHS.
With the purchase of the house 2 contracts will be drawn up: for the house and the plot. Buying housing on maternity capital from relatives or strangers is the same. It is necessary to go through all the steps for the object to be framed by law.
Consequences of non-compliance
If the conditions and terms are not met, then the violating party is subject to sanctions. If you use the funds for other purposes or provide false documents, the perpetrator will face criminal liability. If the money was nevertheless provided, then they will need to be returned.
If the FIU is recognized as a violator, then a citizen can go to court and sue a certain amount from this institution. A fine is also imposed, which is transferred to the state. If the requirements are met, then the money comes in 2-3 months.
Thus, the period for transferring funds is established by law. When 2 and subsequent children appear, all families have the right to use this program. And if some rights are not respected, there is always the opportunity to defend them.