Matkapital acts as a certain measure of state support. It is issued to families in which a second or subsequent baby appears. Making it simple enough, and also it has a significant size. Its indexing is carried out regularly, so the amount of funds that can be received by certificate holders is increasing. But you can use the funds only in limited areas, which include the ability to use maternity capital to build a house.
The concept of mothercapital
It is represented by a certain certificate, which indicates when the family received the document, as well as for what purposes the funds that are issued by the PF on the basis of this paper can be used.
Such a benefit was introduced back in 2007, moreover, legislative changes are regularly introduced, and the amount is indexed. Every family in which a second child appears can count on such a benefit. Moreover, the child can be not only born, but also adopted.
You can use this benefit in a limited number of areas that are clearly prescribed in the legislation. Be sure to do this, you must first obtain approval from the PF. Employees of this institution evaluate the existing conditions of citizens, and also study the project and other documents related to the future structure, since it should be executed as residential real estate. It is taken into account that the structure should be comfortable, with all necessary communications and a convenient location.
What purposes can I use?
With the introduction of this type of support for citizens, it was decided that using a large amount of funds is possible only for a limited number of purposes. They have practically remained unchanged since 2007. It is possible to apply mothercapital only in several directions:
- purchase of housing represented by an apartment, house or room;
- maternity capital for building a house makes it possible to obtain a unique structure that meets the requirements and desires of future owners;
- increase in mother's pension;
- payment for educational services for children;
- the use of money to adapt children with disabilities.
To apply for a certificate, you will need to contact the PF department. For this, a citizen must have a statement, passport, birth certificate or passport of all children in the family. If the child is adopted, then appropriate documents are needed. If the father or mother are foreign citizens, then a paper is required confirming that the children have Russian citizenship.
Nuances of registration of benefits
Building a house for maternity capital is implemented quite often, and the scheme for obtaining state support is considered quite simple and understandable. To do this, one must have payment documents confirming the deposit of funds for the purchase of materials or the remuneration of hired specialists.
PF employees will regularly monitor the use of funds received. If violations are discovered during the construction of a house under maternity capital, this may become the basis for the removal of balances and the imposition of a fine for the funds used. Therefore, it is important to correctly apply this benefit.
Options for using funds
It is important to understand how to use maternity capital to build a house. Different options can be used for this, since money can be spent on the following purposes:
- purchase of materials for building a house or carrying out finishing work;
- remuneration of employees;
- depositing funds for the use of various special equipment.
All expenses must be justified, and they should also be confirmed by payment documents, which are presented by checks, warrants or invoices. If these papers are not available, then you can be denied compensation. Also, it will not be possible to use checks for which not materials for construction are purchased, but unnecessary elements for personal use.
Terms of Use
Can maternity capital be used to build a house? This method of spending money is considered optimal, but some requirements and rules should be taken into account:
- there are limited terms, since for half a year of work it is required to fill the foundation and erect walls, as well as establish a high-quality and safe roof;
- a residential building must be built, which is reflected in various documents;
- it is not allowed to use funds from the state for the construction of a bathhouse, various outbuildings, garages or other similar structures;
- finishing works are not limited in terms of time, but they should be implemented within a reasonable period of time, therefore a year is usually allocated for this;
- land is not allowed to be acquired for these funds, therefore citizens must have their own money for such a purchase.
You can use the privilege only three years after the birth of the child for whom the certificate was issued. The only way to use the money in advance is to receive a targeted housing loan.
How to get funds up to three years?
Maternity capital for the construction of a house can be used immediately after its execution when obtaining a loan, so parents may not wait until the youngest child reaches the age of three.
To do this, use the standard procedure, which involves obtaining a loan from a bank. Matcapital can be used as a down payment or it can repay an existing loan.
How to get a certificate?
Initially, you need to get the certificate itself, which confirms that citizens can really enjoy the support of the state. For this, the PF receives the documentation:
- passports of parents;
- St.-va about the birth and passports of all children in the family;
- generic certificate;
- SNILS citizen;
- statement.
Both father and mother can submit documentation, and the father most often performs the procedure. This is due to the fact that in most cases a man is engaged in building a house.
What documents are needed to receive money from the state?
The certificate is prepared within a month. During this time, it is advisable to prepare the documentation that is required for the construction of the structure. This includes:
- paper on the land allocated for the construction of the facility;
- permission to build a private house, which can be obtained from the local administration;
- a project on the basis of which the construction of a house under maternity capital will be carried out;
- the estimate, which is part of the design documentation, and also contains information about how much money should be spent to build the facility;
- an agreement drawn up with a construction team, on the basis of which the main work will be implemented.
Additionally, you need to open an account in any bank, which allows you to replenish it or withdraw funds at any time. You will also have to turn to a notary public so that after the construction procedure, shares in the object will be allocated to each child.
Receiving the money
As soon as all documents for the future structure are collected, you can apply to the PF with a special order, on the basis of which funds are used for the capital for the construction of the object. If three years have not yet passed since the birth of the child and the citizens do not wish to apply for a loan, then documents are transmitted three years later.
Within a month, all documentation will be checked to determine whether maternity capital can be used to build a house or if there are grounds for refusal. Often, it is required to clarify different details or prepare additional documentation.
If there are no grounds for refusal, then within another month the funds will be transferred to the applicant’s account. After that, they can be sent to purchase various materials for construction, as well as to pay specialists.
Initially, only half of the total amount, which should be enough to implement the first stages of construction, will be transferred. Six months are given for the construction process, after which it is necessary to confirm that maternity capital was used to build the house. After confirming the intended use of money, you can expect the transfer of the second part of the amount.
You can pay for materials or work not only in cash, but also by wire transfer. In this case, an extract from the bank is attached to the payment documents submitted by checks or invoices.
Can I use funds up to three years?
There is a certain restriction, which means that in order to use the funds the state is required to wait three years after the birth of the child for whom the certificate was issued. The restriction does not apply for paying a mortgage or applying for a loan, so the amount provided may be the initial investment.
To use the funds until the child is three years old, several options can be used:
- a loan is issued for the construction of a house under maternity capital, and in such a situation, the privilege from the state is an initial investment;
- the house is built completely at your own expense, after which after three years you can contact the Pension Fund with the necessary payment documents in order to receive compensation;
- an unfinished object is bought with a mortgage at a low price, after which it is completed or demolished, which will allow the construction of a new object, and you can use the certificate to repay the loan.
In most cases, the cost of building an object exceeds the amount of the exemption, so you will have to invest a lot of your own funds. The use of maternity capital for the construction of a house allows you to reduce your expenses, but you can not forget about the requirement, on the basis of which it is necessary to allocate shares in this property to children.
For what reasons can they refuse?
You can spend maternity capital on building a house, if you carefully understand this process, and also take into account the many nuances. But even under such conditions, one can be denied the provision of public funds. For this, the PF must have good reasons, usually presented by the reasons:
- parents were deprived or restricted of their rights to children;
- the court makes a decision on the basis of which the adoption of the babies is canceled;
- the parents committed any serious crime against the child, which may be represented by murder, bodily harm, beatings, imprisonment, as well as other violent acts;
- PF workers reveal that previously citizens submitted inaccurate information about building a house;
- not all documents are transferred to the Pension Fund.
Thus, if all the documents for building a house for maternity capital are not prepared or there are other good reasons for refusing, then it will be simply impossible to count on this benefit. If a payment is assigned at all, but after it turns out that fake documents were handed over, then this leads to the fact that parents will have to return all the money received, as well as they are brought to administrative responsibility.
What to do in case of refusal to issue money?
If the refusal to pay compensation for the construction of a house by maternity capital was received without justified reasons, then citizens who have a certificate can perform different actions:
- initially, it is advisable to write a statement with the violation found to a higher authority of the Pension Fund;
- if such an action does not bring the desired result, then a statement of claim is filed with the court, located at the location of the PF branch where the documents were transferred.
The application is reviewed by the PF management within 30 days. If at this time there is no answer or it is negative, then you can go to court. If you want to verify different information by the management of the institution, then it is allowed to increase this period by 15 days.
When applying to the court, it is required to prepare the same documents that were submitted to the Pension Fund to receive funds. They are the evidence that citizens really have the right to receive maternity capital for the construction of a house on their own. In this case, there must be official answers or confirmation of their absence from the PF.
Thus, the capital is considered demanded by the state support. It is allowed to use it exclusively in several directions, which include the possibility of building a private building. It is important to understand the rules for the use of funds, as well as take into account the requirements of the PF, so as not to be denied the procedure. When applying for a loan, you can get money without waiting for three years.