2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
Family capital you can use to build, purchase a home or pay off a mortgage. This choice is one of the most popular among certificate holders: more than 80% of families used their maternity capital to improve housing. But at the same time, questions and main difficulties arise when trying to buy a house or apartment with these funds. In this regard, we advise you to read this article very carefully, in which we tried to tell you in detail about how to properly dispose of the certificate.
Maternity capital for home improvement can be used at:
construction (acquisition) of an apartment or residential individual house;
payment of the first installment when obtaining a loan for the construction or purchase of a house, apartment that you plan to purchase with maternity capital: a loan (if all conditions are met)making it easy for you;
payment of interest or debt on a loan or credit, including mortgages;
payment of the entrance fee represented by the main participant in housing construction, as well as various housing and housing savings cooperatives;
payment for shared construction;
compensation of expenses for the restored individual housing construction facility built by the owner of the funds;
in addition, maternity capital for housing improvement can be used to pay for the reconstruction or construction of an individual housing construction facility with and without the participation of construction contractors
The main condition: a residential facility under construction or purchased must be located only on the territory of Russia.
We buy housing for maternity capital - documents that are necessary for the disposal of the certificate:
- Application for the disposal of a 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.
- Insurance certificate of obligatory pension insurance of the person - owner of the certificate.
- Passport of a citizen of the Russian Federation.
We use maternity capital to improve housing. What additional documents may be needed?
- Copy of the contract for the acquisition of a residential facility that has been registered with authorized stateorgans in a specific order.
- Copy of the certificate of state. registration for the right of ownership of a person who has received a certificate, and his spouse, who purchases an apartment, a house using family capital funds.
- In the event that the house or apartment is not registered as common property of the person who received the certificate, his children, spouse, or was not held by the state. registration of the right to a residential facility, certified in a certain manner by a written obligation of the person who is the purchaser under the contract for the purchase of premises with the help of family capital, must register the residential facility in common ownership 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. At the same time, in the case of the purchase of a residential facility in accordance with an agreement for the purchase of a residential facility with an installment payment - within six months after making the last installment, which completes the payment of the cost of the apartment, the house in full.
- Certificate from a person who directly carries out the full alienation of a residential property under an installment purchase agreement for a house concluded directly with a person who received a certificate, or with his spouse, about the amount of the unpaid amount under the agreement, but only in the event that a residential property is purchased in installments.
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