The housing problem is relevant for many Russian families, especially for young ones in which children have just appeared or are growing up. Many state social programs designed to partially pay for purchased housing with budget subsidies are called to solve this problem.
Families raising two or more children can buy housing using state family capital funds. Such its use is the most popular direction, although the state certificate can be spent on other purposes. For example, on the education of children, the construction of a house, or its reconstruction.
But if everything is more or less clear with the purchase of housing, then what about those families who want to be able to leave the city for fresh air on weekends, or more often, to grow something on their own plot. So, is it possible to buy a cottage for maternity capital?
What the law says
Federal Law on Certificate for Maternal (Family) Capital No. 256 determines the use of state money. They can be used for the following purposes:
- monthly payment (for those whose certified child was born no earlier than the beginning of 2018);
- maternal retirement benefits;
- adaptation of children with disabilities in society;
- children's education, including preschool;
- repayment of loans and borrowings for the purchase or construction of housing;
- improvement of housing conditions.
What does improvement mean?
As can be seen from the above areas of disposition of the maternal certificate, the law does not unambiguously determine whether it is possible to buy a cottage for maternity capital.
Improving living conditions, increasing the comfort of housing for the family involves the acquisition of joint ownership of children and parents of a dwelling, whether it is an individual residential building, an apartment on the secondary market or housing under construction. Is it possible to buy a cottage using maternity capital? Will this be considered legal use?
All to the country
If a young family is lucky to be the owners of the apartment, but wants to have the opportunity to relax outside the city on their own summer cottage, then there is interest: is it possible to buy a cottage for maternity capital? It is important to determine what is meant by the word "cottage".
For some, this is a land plot with a minimum set of amenities in the form of a shop and a mysterious structure with a diamond-shaped window. And others by the word “summer residence” mean a summer vacation place, a garden with fruit trees, beds of greenery, a barbecue and, of course, a comfortable country house, which can accommodate not only the owners, but also guests who arrived from the dusty city.
What can i buy
It is the second option that must be implied in order to get an affirmative answer to the question - is it possible to buy a cottage for maternity capital. The conditions for the use of state certificate funds involve the acquisition of residential premises. That is, the treasured six hundred square meters of land in the nearest horticultural partnership cannot be acquired at the state expense. In the event that the subject of the drawn up purchase agreement, in addition to the land allotment, becomes a residential building, then the calculation can be safely made using public money.
What should be the house
To find out whether it is possible to buy a cottage for maternity capital, it is necessary that the house purchased on the lands of a horticultural partnership fit the definition of "residential premises". First of all, documented in Rosreestr, it should be listed as a residential building, and not be called an economic building, a shed or a garage.
The purchased house must be suitable for habitation. That is, it should have walls without cracks, a roof, glazed windows, a locked front door, electricity, heat and water. Thus, if an individual residential building is purchased, then the designation of the land on which the house is built will not be an obstacle.
We comply with the conditions
So, it’s already clear that the answer to the question is whether it is possible to buy a summer house for maternity capital. Under what conditions will the purchase be paid?
- A residential building purchased at a summer cottage should have an address in our country and be suitable for housing.
- The certified baby must be over three years old. If the child is younger, then you can take a mortgage or a loan to buy a summer cottage, and send the funds under the certificate to repay it.
- Acquired real estate must be owned by all family members, or notarization of the owner’s obligation to distribute shares after full payment of the housing will be required.
We file an application
Now that it is known whether it is possible to buy a summer house for maternity capital, an agreement confirming the acquisition of real estate is signed and registered, an application for disposal of the state certificate should be submitted. You can make such a statement at the nearest Pension Fund unit, in the multifunctional center, or on your own at the government services website. The application can be submitted personally by the certificate holder or a representative with an appropriate power of attorney.
The application must be accompanied by a citizen’s passport or other document replacing an identity card, documents on a change of surname, SNILS, a registered contract of sale and, if the owners are not the whole family, an obligation.
The Pension Fund within a month makes a decision on the results of consideration of the application and lists the mat. capital in accordance with the concluded agreement.
The construction of the house on the land
Another option for using a family certificate to purchase a summer cottage may be to build your own house on a summer cottage. For this, some conditions must also be observed. It is important that the land is owned (as well as leased or for life) of the certificate holder or his spouse. Local urban planning authorities (architecture) must issue a notice of compliance of the planned construction with acceptable parameters and you can apply for money.
The means of the certificate can be used in two stages: initially, in the amount of not more than half of the total amount of available capital for the construction of the foundation, walls and roof. Then, after six months, having received an act of examination of completed work in architecture - the second half to complete construction work.
The purchase of a summer residence, if you mean the purchase of a house for living, is the legal use of the means of a state certificate. Thinking about whether it is possible to buy a summer house for maternity capital, the conditions for such a purchase should be taken into account. You need to understand that the main acquisition should be a family-friendly home, and the availability of a land plot for a summer vacation is a secondary issue.