Registration mate capital to improve housing conditions. We spend maternity capital to improve housing conditions
The main legal acts governing the right to obtain a certificate, the procedure for providing and the rules for obtaining are:
Federal Law No. 256 of 2006 defines possible legal options for using capital for improvement housing conditions families:
Who is eligible?
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The following can apply for the certificate:
Possible nuances
You can get a certificate only once.
Video: maternal capital to improve living conditions
There are some restrictions when using the mother capital. The most important of them is the impossibility of withdrawal Money until the child is three years old.
However, the law allows early use of the certificate in the following cases:
How to improve living conditions with maternity capital
All options for using funds can be divided into two groups:
- Purchase of finished housing.
- Building or renovating a house.
Where and how to get it?
You need to contact the department The Pension Fund or at the MFC.
Terms of use
Money can be directed to:
- children;
- the formation of the mother;
- improving the living conditions of the family.
For the expansion of living space
This can be done in the following ways:
Housing Improvement Actions
Purchase of an apartment
The funds can be used for:
Self-construction
After submitting the necessary documents to the Pension Fund of Russia, half of the maternity capital funds are allocated.
With these funds, you can start construction works... After six months, it is necessary to go to the FIU again, report on the money spent and provide confirmation of all construction costs (, etc.).
If all the expenses are justified and the payment documents are correct, the Pension Fund transfers the rest of the money to the family.
Reconstruction and renovation
The reconstruction, carried out at the expense of public funds, is:
In order for the Pension Fund to approve the planned reconstruction of your home, you must provide:
Registration process
To obtain a certificate for maternity capital, you must meet strict criteria:
- Russian citizenship.
- The appearance of a second or third child in the family after 01.01.2007.
- The family had not previously received a certificate.
At any convenient time, you need to make a visit to the Pension Fund branch or the MFC.
Consideration of the submitted applications takes place automatically. The main thing is that everything should be collected and applied. Required documents... Nobody has the right to deny a family a certificate.
Required documents
List:
For funds state support you can buy or build a house, pay off a home loan or send funds on a certificate for payment down payment on a mortgage.
Of all areas of use of maternity capital funds (MSK) improvement of living conditions- one of the most demanded.
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It is possible to spend MSCs on improving housing conditions only after the child will be 3 years old... However, state support funds can be used to pay off financial obligations to the bank immediately after the birth or adoption of a child.
After registration of ownership of housing acquired using funds from the capital, the spouses must allocate share for yourself and your children... Without fulfilling this requirement, the property cannot be sold in the future, and the actions of the owner of the certificate will be regarded as fraudulent.
What is the improvement of housing conditions according to the certificate for maternal capital?
State support funds for families can be used to pay for any that do not contradict the law real estate purchase transactions... The owner of the certificate has the right to use the funds for:
Attention
Real estate must be located on the territory of the Russian Federation, and also comply with technical and sanitary standards. WITH March 2019 The pension fund is obliged check real estate purchased using MSC funds, on the suitability of residence in him. The FIU will not allow the capital capital to be used for the purchase of residential premises if it is located in a building that is subject to demolition or is recognized as emergency (clause 1.3 of article 8 of the Federal Law No. 256 of December 29, 2006).
It is possible to spend MSC funds on improving housing conditions only after the child, with the appearance in whose family, the right to receive state support arose, will be three years old... Exception - you can use matkapital up to three years only to pay the down payment on a loan (including mortgage) or send funds to repay an existing home loan (loan) and interest on it.
Buying a home (apartment or house) for maternity capital
You can buy housing in the primary or secondary real estate market. Moreover, if only own funds , MSC can be disposed of after the child turns three years old from the moment of birth (adoption).
If there are enough maternity capital funds for the purchase, contract of sale... When the state support funds are not enough, the owner of the certificate uses his own funds to pay the deposit to the seller, the rest of the cost is repaid by means of the MSC. Until the entire amount under the contract is paid, the housing remains in pledge with the seller.
To buy a home, the owner of the certificate must submit to the FIU:
- Passport to confirm identity and place of residence.
- A copy of the sales contract.
- A document confirming the amount of the unpaid balance.
The Pension Fund checks documents for 1 month from the moment of registration of the appeal. For the transfer of funds, more 10 working days.
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Buying an apartment under an equity participation agreement
You can also use maternity capital to buy a home with participation in shared construction ... This method is quite popular, since often the cost square meter when concluding an equity participation agreement (DDU) is significantly lower than the cost in an already built apartment building.
The owner of the certificate or his spouse can send the funds of the MSC to pay off the obligations under the DDU if the following conditions are met:
- charter construction organization the possibility of using matkapital funds is provided;
- construction object is ready at least 70%.
Attention
The participants in the DDU transaction are Building company(developer) and depositor... The buyer transfers money to a specially created bank account, and the developer, in turn, undertakes to transfer the apartment to the depositor after the completion of the construction of the house and putting it into operation.
To conclude this transaction, the FIU must provide:
- A copy of the DDU.
- A document confirming the transfer of funds towards payment of the contract price.
- Certificate of the amount of the balance under the contract.
Maternity capital for a down payment on a mortgage
WITH May 2015 family capital can be used to pay the down payment on a mortgage to buy an apartment or build a house. After the bank or other credit organization approves the issuance of the mortgage and the loan agreement is signed, the owner of the certificate must submit an application for the disposal of the funds of the mother capital to the Pension Fund.
An initial fee cannot be less than 10% from the appraised value of housing. Often, additional funds are required to pay for it. The amount of the initial payment depends on the way the borrower confirms his solvency.
Attention
Accommodation can be purchased in the primary or secondary real estate market... You can send MSC funds to pay the initial contribution immediately after the birth of your second child.
Together with the statement on the disposal of state support funds, the certificate holder must additionally submit to the FIU:
- copy loan agreement(or a loan) for the purchase of housing;
- registered mortgage agreement.
Repayment of the mat by the capital of the mortgage loan (loan)
Maternity capital can be used to pay existing mortgage debt and interest on it. At the same time, it does not matter if a loan obligation arose before or after the birth (adoption) of a child, after the appearance of which the right arose to receive state support measures. MSC funds are allowed to be used to pay off several housing loans at once.
In order to direct the mother capital to repay the loan, a number of conditions must be met:
- A loan or loan must be target.
- An agreement concluded with a bank or credit institution, provides early repayment option.
- Housing for the purchase of which financial liability, livable.
- The organization in which the loan (loan) is issued is:
- bank;
- a consumer credit or agricultural cooperative (CCP);
- JSC "DOM.RF".
- If the loan was spent on the purchase of a house with a land plot, the contract must indicate what specific amount was spent for the purchase of housing.
It is not allowed to send MSCs to pay off fines and sanctions arising from the failure of the borrower to fulfill its obligations to the bank. If the FIU approves the transfer of funds, the certificate holder can choose to reduce the mortgage payments or shorten the repayment period.
Attention
Before submitting an application to the FIU, the owner of the certificate must take from the bank or other organization that provided the loan certificate of the amount of debt and interest on it... State support funds are credited to the Pension Fund if the application is approved within 1 month and 10 working days from the moment of registration of the application.
If MSC funds were enough for partial repayment loan, the borrower will receive a new payment schedule. You can completely get rid of the loan if there is enough money to pay off the debt in full.
Construction and reconstruction of a house on a plot for individual housing construction
The funds of the capital can be used for the construction of a house or the reconstruction of existing housing (Article 10 of the Federal Law No. 256). It is possible to build with MSC funds only individual housing object(IZHS), that is, separately standing house, up to 3 floors, in which only one family will live.
The house must meet the following requirements:
- it must have a foundation and load-bearing walls;
- it must be located in a residential area;
- living quarters must be equipped with engineering systems;
- no destruction or damage is allowed.
From January 1, 2019, the owner of the certificate has the right to direct the funds of the matkapital for the construction of a house. on the summer cottage ... To transfer MSCs for the construction of residential premises, the following conditions must be met:
- the applicants have a building permit from local authorities self-government;
- the owner of the certificate or his spouse has the title to the land plot on which the construction will be carried out;
- the built housing must be registered in the common share ownership.
The land must be owned by one of the spouses on the basis of:
- Ownership.
- Free use or rent.
- Lifetime inherited possession.
- Perpetual use.
A prerequisite for the direction of MSC funds for the reconstruction of a house is increase square area housing at least one accounting rate. Such works include:
- add-on of an additional floor;
- construction of a residential extension to the house;
- alteration of the attic into the attic.
Attention
It is impossible to send MSCs to other types of repair work that do not lead to an increase in the area of housing. Work on cosmetic and major repairs also falls under the ban.
Recipients of state support can use capital for the construction of a residential building two ways:
- Hire a contractor (construction) organization.
- Carry out construction on your own.
If the family decides to carry out construction work on their own, then the transfer of money from the mother capital is carried out in two stages:
- the first part of the funds is provided to the applicant at a rate of 50% from the amount of the certificate;
- in 6 months after the transfer of funds, the owner of the certificate has the right to apply for the remainder, while he must confirm the fact of construction work.
If the construction work will be carried out by a contractor, the owner of the certificate or his spouse must submit to the FIU along with an application for the disposal of the MSC copy of the building contract.
Allocation of shares to children when using maternity capital
In accordance with paragraph 4 of Art. 10 Federal Law No. 256 in real estate acquired, built or reconstructed using maternity capital funds, spouses are obliged to allocate shares yourself and all children, including those who will be born in the future.
Shares can be allocated:
- under a donation agreement;
- by agreement.
Share amount by law not installed... However, it is recommended to adhere to the regional living space per person norm. Property in which no shares will be allocated in the future cannot be sold or exchanged. Such actions will be regarded as an attempt at illegal enrichment, and the parents will be charged a fine for the damage caused to the state.
In some cases, it is impossible to allocate shares in the acquired housing immediately after disposing of the mother capital. For example, if the apartment is in mortgage with a bank. Then the spouses must submit to the Pension Fund a notarized share commitment.After registering the ownership of the housing, the spouses must allocate shares to the children in accordance with the previously issued commitment within six months.
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What should be remembered for those who buy an apartment, for the acquisition of which the previous owner previously used the capital?
It is no secret that the purchase of housing previously purchased using family capital can carry a serious risk for new owners. There are often cases when, having bought real estate and using maternity capital, parents are in no hurry to fulfill their obligation to grant property rights to their children. Someone forgets, and someone consciously ignores their responsibilities.
If the children are not included in the number of apartment owners, then new owner runs the risk of being in a situation where the grown-up children of the seller, prosecutors or the Pension Fund appeal the deal, and he will be left without a roof over his head. For example, in 2016, in the Altai Territory alone, the Prosecutor's Office filed 280 lawsuits for violation of the property rights of minors after the parents used the funds of the family capital.
To minimize risks, you need to carefully approach the issue legal due diligence real estate object. Better to give preference to the notarial form. Before concluding a transaction, the notary will carefully study the documents so that you are sure that the transaction does not conceal any pitfalls.
Dangerous connections: with whom it is fraught to make transactions with real estateLearned from bitter experience, people are now afraid to enter into real estate transactions if the counterparty belongs to a potential risk group - for example, seems to be addicted to drugs. Moscow notary Elena Obraztsova tells the readers of the RIA Nedvizhimost website which of the "suspicious persons" is really dangerous, and with whom you can safely make a deal.How is the money (matcapital) transferred for the specified purposes?
Funds are transferred from the Pension Fund of the Russian Federation to cashless form to the account of the organization (for example, construction company) or natural person, acting as a seller of real estate, or a bank that provided a loan by the owner of the certificate. If it comes on self-construction or repair of a private house, the funds will be transferred to the bank account of the certificate holder.
By general rule it is possible to receive materiel funds for improving housing conditions only after the child reaches three years of age. However, this limitation does not apply to obtaining a mortgage or paying off an existing home loan. For such purposes, uterine capital can be obtained at any time after the birth of a child, without waiting for his third birthday.
Is it possible to start up the capital for partial repayment of the mortgage?
Maternity capital can be directed, among other things, to alleviate the "mortgage" burden. These funds can go both for the initial payment on a loan (associated with the construction or purchase of finished housing), and be used to pay off the principal debt and interest on the loan. In this case, the rule applies both to a mortgage issued after the birth / adoption of a second and subsequent child, and to a loan that the family has been paying for more than a year.
It should be noted that matcapital cannot be used to pay fines, commissions, penalties provided for by the loan agreement.
How to sell a mortgage apartment?Life is unpredictable, and sometimes situations arise, be it divorce, job loss, or some other circumstance in which there is no way to pay the mortgage. Representatives of banks, realtors and lawyers told the RIA Real Estate website whether it is possible to sell an apartment that is on a mortgage, and how to do it.Can I buy additional land for building a house using the capital?
It is legally impossible to acquire a plot of land for building a house using family capital. The federal law understands the improvement of housing conditions only for the purchase, construction or reconstruction of residential premises.
Exceptions include purchasing land plot along with on it residential building which is suitable for family living. Formally, the expenditure of state support funds will be directed only to the purchase of a house, and the plot of land will be considered an addition to it.
What are the options for improving housing conditions with the involvement of materiel?
Persons who have received a certificate can use the capital in full or in parts for the following purposes:
Purchase of finished housing (apartment / room or house) under a sale and purchase agreement;
Construction of a private residential building, which citizens carry out on their own or with the involvement of a specialized construction organization;
Reconstruction of a private residential building (changing its area, number of rooms, etc.);
Compensation of costs for an already built (reconstructed) private residential building;
Repayment / registration of a loan, if it is taken / taken for the purpose of purchasing or building housing;
Payment entrance fee in a housing construction cooperative;
Payment of the right to share in construction.
It is worth considering the fact that the housing purchased with the funds of the capital must be / be built on the territory of Russia.
How to formalize the fulfillment of the obligation related to the use of the capital?
It is also recommended to contact a notary after the specified 6 months - to fulfill the obligations assumed. The notary will help to draw up a so-called contract (agreement) in order to fulfill the obligation. He will make sure that the contract meets all the requirements of the law and takes into account the interests of both the spouses and all children in the family. In such an agreement, the size of the share for each family member is necessarily fixed. By the way, in order to allocate a share to the child's father, it is necessary that he also be in an official marriage with the owner of the certificate - the child's mother.
The conclusion of this agreement does not require the consent of the bank (if the housing was purchased on a mortgage and there is an encumbrance on it), and also does not affect the current credit conditions in any way.
It is impossible to sell real estate acquired using the mother capital without separating out the shares previously fixed by the law. In the future, for the alienation of real estate, part of which belongs to minors, the consent of the guardianship authorities will be required.
What is the best way to register real estate in a marriage so that it is beneficial to bothLovers celebrate Valentine's Day on February 14 with pleasure. However, not all couples manage to maintain relations, and sometimes property disputes become the cause of discord. The Federal Notary Chamber told the RIA Real Estate website how to correctly arrange real estate in order to protect both property and, possibly, love.Why do you need to contact a notary when using matkapital?
According to the general rule of jointly acquired property, real estate acquired in marriage is formalized between spouses in half or in different shares (subject to a change in the regime of joint ownership to a separate marriage contract). When it comes to attracting materiel funds for housing purposes, the law obliges parents to allocate shares in new or renovated housing to all children as well.
It is necessary to go to a notary to formalize the obligation to allocate such shares. This paper will state that the owner (s) of the real estate undertakes to register it in the common property of the recipient of the certificate, his spouse and all children within 6 months after:
Women who have given birth or adopted a third child or subsequent children after January 1, 2007, if they have not previously exercised this right;
Men are the only adoptive parents of the second, third child or subsequent children, if they have not previously exercised this right (in this case, the court decision on adoption must be made after January 1, 2007);
Men (fathers or adoptive parents of children), regardless of their citizenship, if the mother's right to mother capital has ceased (for example, a woman has died or was deprived of parental rights);
Minors and adult children under 23 years of age studying full-time in educational institution(excluding organizations additional education) before the end of such training, if the right of their mother or father (adoptive parent) of the child to mother capital has ceased or has not arisen.
IN modern Russia there are many state forms support for different categories of citizens.
The institution of the family is also actively supported by the state.
For example, with the aim of increasing the level of demography in 2007, it was launched and is effectively functioning to this day, despite the crisis,.
And although the program has been operating for a relatively long time, a large number of questions about its implementation still arise.
The main provisions of this state support are set out in Federal law No. 256-FZ dated December 29, 2006"On additional measures of state support for families with children."
The essence of this program is to provide families who have given birth or adopted a second and subsequent children, material assistance. The right to receive an MC applies to both women and men who have adopted children, provided that the appearance of the second and subsequent child fell on the period starting from 01.07.2007, and they had not previously exercised the right to additional measures of state support. The program applies only to citizens of Russia.
In fact, the assistance is very significant, since in small towns its amount is one third, or even half of the cost. studio apartment... Although the size of the MK is set by the norm, it was indexed every year until 2017. So, having started in 2007 from 250,000 rubles, now it is RUB 453026.
There is also a tendency towards an increase in the options for its possible application, although at government meetings the issue of reducing some of the unclaimed options is periodically discussed.
In the meantime, legislatively enshrined following goals for which MK can be used:
Rules for the use of funds for housing improvement
The most demanded item of expenditure is the improvement of housing conditions.
Many families use MK to reconstruction of existing housing, or the acquisition of better housing than they have, for the construction of a house, for the purchase of the remaining shares in the already occupied residential premises, for repayment of the previously issued apartment for the purchase of an apartment.
And only one "but" provided by the law is inconvenient - you can use this help only 3 years after the birth of a child, or after his adoption.
To begin with, to get a state certificate confirming your rights to these funds, you must apply with the appropriate application to the Pension Fund branch at your place of residence or to the multifunctional center.
The application must be accompanied by following documents: passport, SNILS, birth certificates of all children, or a court decision on their adoption, a document confirming the child's citizenship (if one of his parents is not a citizen of the Russian Federation).
For the issuance of a certificate, a period of 30 days is provided after the application is submitted. You can also receive it by mail.
Buying a house or apartment
The general algorithm of actions when purchasing housing using MK funds does not differ much from the usual purchase of a residential property.
However, there are also features that we will focus on.
Firstly, real estate should be located on the territory of the Russian Federation.
Secondly, another subject appears in civil law relations - Pension Fund... You will have to contact there more than once. First, in order to obtain a certificate, then after preliminary approval of the selected real estate and verification of documents (for your confidence in the future approval of the disposal of funds), and, finally, confirmation of the emergence of ownership in order to receive funds or transfer them to the seller.
Thirdly, another feature of the acquisition of housing at the expense of MK funds is that it contains conditions for payment by installments appear... The Pension Fund, in order to avoid the risks of suspension of registration of the buyer's right, or refusal to register it, transfers funds only after the submission of documents confirming the emergence of the buyer's right. Therefore, the contract must include clauses containing a description of the procedure for calculating with the seller, conditions, terms. And since the payment of the contract price in terms of MK funds occurs after the state registration of the buyers' rights, a mortgage arises by virtue of the law in favor of the seller - an encumbrance that guarantees the fulfillment of your obligation to pay the price of the dwelling to the seller. After settling with the seller, do not rush to part with him and lose his phone number. After the calculation, it will be necessary with him to apply to the registering authority or to the MFC with applications for the repayment of the mortgage. Usually, when accepting documents, specialists notify about this. But there are cases when people catch up late and cannot find a seller to pay off their debt. In this case, only the judicial order remains.
Fourth, right to a residential property must . The state thus protects the interests of children. Until the children reach the age of majority, it is unlikely that parents will need to purchase other housing for their children, since the consent of the guardianship and guardianship authorities is required to dispose of the property of minors. It’s not that easy. If, when buying an apartment for minors, the corresponding share is not drawn up, then you must draw up a guarantee statement with a notary.
Loan repayment at the bank
It is also possible to use funds for repayment of an existing loan... And it should be exactly mortgage... The number of credits and loans for the payment of which MK funds can be directed is not limited by law.
Main conditions this option:
To use the funds due to you in this way, you will need to contact to the branch of the Pension Fund with the following documents:
- Extract from the USRN, confirming the registration of your rights to the property;
- Help from credit institution on the amount of the principal debt, as well as interest on the loan;
- A loan agreement or other confirmation of the receipt of a loan, which will specifically indicate the purpose of the loan of funds.
In case of a positive decision on your case, the Pension Fund transfers funds to your credit account within 2 months, although it happens that the transfer takes up to 3 months.
Construction of a residential building
To do this, you will need another set of documents:
Transfer of funds happens in two parts... First, an advance payment - 50% of the MK amount, then the second part after 6 months, upon presentation of documents confirming the main work.
Not everyone knows that there is an opportunity to receive compensation for an already built house... In this case, documents will be submitted to the Pension Fund confirming the emergence of your rights not only to the land plot, but also to a residential building, and a building permit. These objects must be the property of the owner of the certificate or his spouse.
Renovation work
Many families would like to use MK funds for apartment renovation, however, such an item of expenses is not provided for by law. The legislator added in 2010 the right to reconstruction of residential buildings and apartments so maybe the article overhaul will also appear if the program remains in effect.
During the reconstruction, the technical parameters of the object, its external contours and configuration are changed. In particular, the reconstruction includes the change in the number of floors, height, and area of the dwelling. An example of reconstruction in our cases is the construction of a residential extension, the re-equipment of the attic into a residential building, the combination of several objects. Since during the reconstruction of residential buildings, as well as apartments in houses for two owners, or apartments in apartment buildings major changes are taking place, a building permit (reconstruction) is required.
In this case, you will need to submit to the Pension Fund following documents:
- Documents confirming the rights to a land plot, as in the construction of a house;
- Appropriate permission to carry out work on the reconstruction of housing;
- Documents confirming the emergence of your ownership, or your spouse to a residential building or apartment;
- Notarized obligation to re-register the reconstructed housing in the ownership of all family members;
- A document confirming that the applicant has a bank account and containing his details.
The procedure for transferring funds on your account in this situation is the same as when sending MK to build a house. First 50%, and the translation of the second part after 6 months, when the main work will be done.
Please note that repayment of loans for reconstruction at the expense of MK is possible, but do not count on early repayment until the child reaches 3 years of age. This opportunity is provided solely for the repayment of mortgage loans for the construction and purchase of housing.
O recent changes in order of selection financial aid from the state, see the following video:
It is possible to dispose of maternal (family) capital for improving housing conditions when the child, in connection with whose birth (adoption) the right to additional measures of state support arose, turns three years old. Exception - payment of the initial payment for home loan or a loan, as well as the direction of maternity (family) capital to repay housing loans and loans. In this case, you can use the maternity capital immediately after the birth (adoption) of the child, in connection with the birth (adoption) of which the right to additional measures of state support has arisen.
To send MSC funds for the purchase of residential premises, you must submit a document or indicate in the application information:
- from the contract of purchase and sale of a dwelling that has passed state registration in the manner prescribed by law;
- on the right registered in the Unified State Register of Real Estate to the living quarters of the person who received the certificate, and (or) his spouse, who purchases the living quarters using the funds of the maternal (family) capital.
To send funds of MSK for participation in shared construction, you must submit a document or indicate in the application information:
- from the contract for participation in shared construction, which has passed state registration in accordance with the established procedure.
To direct the funds of the MSC for the construction or reconstruction of an individual housing construction object without involving a construction organization, it is necessary to submit a document or indicate information in the application.
Upon receipt of the first part of maternity capital funds (up to 50%):
- about the details of the bank account of the person who received the certificate;
- on the right of the person who received the certificate, or the spouse of the person who received the certificate, registered in the Unified State Register of Real Estate, to an individual housing construction object in the event of its reconstruction.
To receive the remaining amount of MSCs after 6 months:
- about the details of the bank account of the person who received the certificate.
information from the document confirming the main work on the construction of an individual housing construction object or the work on the reconstruction of an individual housing construction object, as a result of which total area residential premises (residential premises) increased by no less than the registration rate of residential premises area established in accordance with housing legislation Russian Federation... Such a document is issued by the body authorized to issue building permits;
To receive compensation for the costs incurred for the construction or reconstruction of an individual housing construction object, you must submit a document or indicate in the application information:
- on the real estate registered in the Unified State Register and owned by the person who received the certificate or the spouse of the person who received the certificate, the right of ownership, permanent (indefinite) use, inherited life ownership, lease or gratuitous use in relation to a land plot that is intended for individual housing construction or gardening and on which the object of individual housing construction is built (reconstructed);
- on whether the owner of a bank account certificate with the details;
on the right of the person who received the certificate, or his / her spouse, registered in the Unified State Register of Real Estate, to the constructed object of individual housing construction, which arose not earlier than January 1, 2007, or on the registered right of the said person or his spouse to reconstructed after 1 January 2007 an object of individual housing construction (regardless of the date of occurrence of the specified right);
from the document confirming the main work on the reconstruction of the IZhS facility, as a result of which the total area of the living quarters (living quarters) increased by at least the accounting norm for the area of the living quarters. This norm is established in accordance with the housing legislation of the Russian Federation. Such a document is issued by the body authorized to issue building permits.
To direct the funds of the MSK for the construction of an individual residential building with the involvement of a construction organization, it is necessary to submit a document or indicate in the application information:
- from a building permit issued to the person who received the certificate, or his spouse, or from a notification of the planned construction or reconstruction of an individual housing construction object sent by the specified person, his spouse to the state authority authorized to issue a building permit , organ local government;
- construction contract;
of real estate registered in the Unified State Register of real estate and belonging to the person who received the certificate or the spouse of the person who received the certificate, the right of ownership, permanent (indefinite) use, inherited life or lease in relation to a land plot that is intended for individual housing construction or gardening and where the construction of an object of individual housing construction is carried out.
To send MSC funds towards payment of the entrance fee and (or) share contribution, if the owner of the certificate or his spouse is a member of a housing, housing construction, housing savings cooperative, it is necessary to submit the documents:
- an extract from the register of members of the cooperative, confirming membership in the cooperative (a document confirming the submission by a citizen of an application for membership in a housing savings cooperative, or a decision on admission to membership in a housing, housing construction cooperative);
- certificate of the amount contributed and the remaining unpaid amount of the share contribution;
- copy of the charter of the cooperative.
To send MSC funds to pay the initial payment when receiving a loan or a loan for the purchase (construction) of housing, you must submit:
loan agreement or indicate information from the loan agreement for the purchase (construction) of housing.
To send MSC funds to pay the principal debt and interest on loans or borrowings for the purchase (construction) of housing, it is necessary to submit:
- loan agreement or information from the loan agreement. If the funds of the maternity (family) capital or part of them are used to pay off the principal debt and pay interest on a loan (loan) to repay a previously granted loan (loan) for the purchase or construction of housing, it is additionally necessary to submit a previously concluded loan agreement or information from the loan agreement for purchase or construction of housing;
- an extract from the register of cooperative members, confirming the membership in the cooperative of the person who received the certificate, or the spouse of the person who received the certificate (a document confirming the submission by a citizen of an application for membership in a housing savings cooperative, or a decision to become a member of a housing, housing construction cooperative), - if a loan (loan) is provided to pay the entrance fee and (or) share contribution to the cooperative;
information from the United state register real estate containing information on the rights to a dwelling, acquired or built using credit (borrowed) funds - in the case of the acquisition of a dwelling, as well as in the case of commissioning a housing construction object;
information from the contract for participation in shared construction, which has passed the state registration in accordance with the established procedure, or a copy of the permit for the construction of an individual residential building, or a notification of the planned construction of an individual housing construction, sent by the specified person or his spouse to the authorized construction public authority, local self-government body - if the housing construction object has not been put into operation;
a document confirming the receipt of funds under a loan agreement by wire transfer to the account, open face who received a certificate, or his spouse (wife) in a credit institution.
Important!
The person who received the certificate, the spouse of the person who received the certificate, are obliged to register the living quarters acquired (built, reconstructed) using the funds (part of the funds) of the maternal (family) capital into the common property of the person who received the certificate, his spouse, children (including number of the first, second, third child and subsequent children) with the determination of the size of the shares by agreement.
Copies of documents are provided to the territorial body of the Pension Fund of Russia with original documents. The originals are returned to the owner of the certificate.
In what time frame will the funds be transferred?
If a positive decision is made, the period for transferring maternity (family) capital funds by the Pension Fund of Russia does not exceed a month and ten working days from the date of filing an application for disposal of the certificate.
Cancellation of an application for the disposal of MSC funds for improving housing conditions
Application for the disposal of MSC funds for the improvement of housing conditions, adopted territorial body The Pension Fund of the Russian Federation can be canceled at the request of the citizen who received the certificate. To do this, you must submit an application for cancellation of a previously submitted application for the disposal of MSC funds for improving housing conditions. Such an application can be submitted in person or through a representative. The specified application for cancellation must be submitted no later than 10 working days from the date of the decision on the disposal of the funds (part of the funds) of the maternity (family) capital ”.
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