We direct maternity capital to improve housing

You can send your family capital toconstruction, purchase of housing or payment of a mortgage. This choice is one of the most popular among certificate holders: more than 80% of families have used their maternity capital to improve housing. But at the same time questions and the main difficulties arise when trying to buy a house or apartment for 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 use the certificate.

Maternity capital to improve housing can be used when:

• construction (purchase) of an apartment or a residential individual house;

• payment of the first installment at the time the loan is receivedconstruction or purchase of a house, an apartment that you plan to purchase for a maternity capital: a loan (in the case of meeting all the conditions) is not difficult for you to arrange at the same time;

• payment of interest or debt on a loan or a loan, including a mortgage;

• payment of the entry fee in the person of the main participant of housing and construction, as well as various housing and housing cooperative cooperatives;

• payment of shared construction;

• compensation of costs for the reconstructed object of housing individual construction constructed by the owner of funds;

• In addition, maternity capital to improvehousing can be directed to pay for reconstruction or construction of a residential individual building project with the participation of construction contractors and without them.

The main condition: a building under construction or purchased should be located only in the territory of Russia.

We buy housing on the maternity capital - the documents that are necessary to dispose of the certificate:

• Application for the disposal of the certificate. It can be taken in any branch of the FIU or simply downloaded from the Internet.
• Certificate. Instead of the original, you can provide a duplicate.
• Insurance certificate of pension mandatory insurance of the person who owns 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 property that has been registered with authorized state bodies in a certain order.
• A copy of the certificate of state. registration for the ownership of the person who received the certificate, and his wife, who buys an apartment, a house using the means of family capital.
• In the event that the house or apartment is not decoratedas a common property of the person who received the certificate, his children, his wife, or was not held by the state. registration of the right to a residential property, witnessed in a certain order by a written undertaking, persons who are purchasers under a contract for the purchase of premises with the help of family capital, must arrange a residential property in common ownership on a preliminary agreement within six months from the moment when the maternity capital for housing improvement is transferred to the person, who carries out the alienation of the house, apartment. In this case, in the case of the purchase of a residential property under a contract for the purchase of a residential property with payment by installments - within half a year after making the last installment that completes the payment of the apartment's value, the house in full size.
• A reference from a person who directlyrealizes the complete alienation of a residential property in accordance with the contract for the purchase and sale of a house with payment by installments, concluded directly with the person who received the certificate, or with his spouse, the amount of the unpaid amount under the contract, but only if the apartment is purchased in installments.