You can direct family capital to construction, housing, or mortgage payments. This choice is one of the most popular among certificate holders: more than 80% of families used their maternal capital to improve housing. But at the same time, questions and main difficulties arise when trying to purchase a house or apartment with these funds. In this regard, we advise you to carefully read this article, in which we tried to tell you in detail about how to properly dispose of the certificate.
Maternity capital for the improvement of housing can be used for:
- the construction (acquisition) of an apartment or a residential individual house;
- paying the first installment when you receive a loan for the construction or purchase of a house, apartment that you plan to purchase for maternity capital: a loan (if all the conditions are met) will not be difficult for you to get;
- payment of interest or debt on a loan or credit, including mortgage;
- payment of an entrance fee in the person of the main participant in housing construction, as well as various housing and housing savings cooperatives;
- payment for shared construction ;
- reimbursement of expenses for the restored individual housing facility constructed by the owner of the funds;
- in addition, maternity capital for housing improvement can be used to pay for reconstruction or construction of an individual housing project with and without construction contractors.
The main condition: a residential property under construction or acquired should be located only in Russia.
We purchase housing for maternity capital - documents that are necessary to dispose of a certificate:
- Application for disposal of the certificate. It can be taken at any branch of the FIU or simply downloaded from the Internet.
- Certificate. Instead of the original, you can provide a duplicate of it.
- Insurance certificate of pension compulsory insurance of the person who holds the certificate.
- Passport of a citizen of the Russian Federation.
We use maternity capital to improve housing. What additional documents might be needed?
- A copy of the contract for the acquisition of a residential property that has been registered with the authorized state bodies in a specific order.
- Copy of certificate of state registration of the right of ownership of the person who received the certificate and his spouse purchasing an apartment, a house using family capital funds.
- In the event that the house or apartment is not issued as a common property of the person who received the certificate, his children, spouse, or was not held state. registration of the right to a residential property, a written obligation attested in a certain manner by persons who are acquirers under a contract to purchase a property using family capital, must register the residential property as a common property by prior agreement within six months from the moment the maternity capital for housing improvement was transferred to the person who alienates the house, apartment. In this case, in the case of the purchase of a residential property in accordance with the contract for the purchase of a residential property with installment payment, within six months after the last installment has been paid to complete the payment of the price of the apartment, house in full.
- A certificate from a person who directly realizes the complete alienation of a residential property in accordance with the installment agreement of a house concluded directly with the person who received the certificate, or with his spouse, about the amount of the outstanding amount under the agreement, but only if Residential object is acquired by installments.