How the maternity capital is issued for the construction of the house. Maternal capital for the construction of the house on its own: Terms of Use. Improved dwelling based on Matkapal

Navigation by article

In our country, it became profitable to have two or more children in the family. The state has developed a program with the help of which Mom receives for the birth of the second and subsequent child.

To date, indexing in the next couple of years is not subject to. Use funds in different directions. Usually families are trying with the help of a certificate, as well as spend funds. Do not everyone know that you can spend money on the construction of a spacious home.

Money from maternal capital - for your future house

Many parents have heard that maternity capital can be spent on building a house. Most relate to caution, as they believe that this amount does not have enough to increase the building. But it is not necessary to hurry with the conclusions, you must first see the various projects, study the estimated documentation, consult with lawyers.

It is not necessary to build a house from scratch. You can first see part of the house - the foundation, walls, then perform the finish. Not bad option - expansion of living space. But to decide what exactly to build, you need to know what documents will be needed, and what requirements are nominated by the state.

Requirements and conditions

Use the received funds for the construction of the house only after the provision of a number of documents.

1. The house must construction on the territory of our country.
2. The construction object should belong to mom or dad.
3. Turn the site should long.
4. The future house must be in gratuitous use of certificate owners.
5. The building should approve according to design and estimate documentationwhich is approved by the relevant authorities.

In addition, a certificate of confirmation is necessary that land plot Designed only for residential buildings. The construction of cottages in this category is not included.

Instead of construction, you can expand the house already. But the area needs to increase at least 18 square meters. These are single rules for the regions of our country per person when it comes to the relying residential area.

Another important condition, at the end of construction, it is necessary to submit a report on the tools spent. During construction immediately collect confirmation How many building materials were purchased for how much money was paid to masters. Therefore, it is necessary to collect all checks, overhead, store cost estimates.

Construction of cottages on the means of the Matkapal

Often, people begin to build a cottage, and then it becomes residential house. In this case, you can use the received funds from the certificate. Need to collect documents and confirm that land is designed not for planting vegetables, berries, not for relaxation, and it will be a house where you and your family will live constantly.

For such a goal you can direct means of the MatkapitalBut it will be necessary to fulfill a number of requirements:

• social workers must confirm that in front of them not a cottage, but a residential buildingwhich is located in the city territory;
• the house must be fully equipped;
• be sure to be equipped with the necessary communications.

If all the conditions are, the house meets all the requirements, it will be issued permission to purchase such cottages.

It is necessary to take into account that no one will allow to spend funds from capital to buy a "naked land" or to land where a small-sized room of the Saraine type is built. It should be a residential premises with all the amenities.

All carefully checked by the state In order for children to live in good sanitary conditions.

Is it possible to get funds earlier than in 3 years

Under legislation, use the funds received by the certificate only after how the child reached a three-year. But there are situations that the family is very needed to improve housing conditionsIt is required to quickly get the appointed amount. The law was made amendments and a number of changes were made.

There are several situations where allowed get the means of maternal capital, without waiting until the child reaches three times:

1. Money is issued earlier, if we are talking about.
2. If you need to urgently pay the first contribution of the loan (mortgage).
3. When necessary pay off the main debt or pay interest on the loan (provided that the loan or loan housing, mortgage).

Sometimes it is allowed to use part of the funds from the Matkapal. Payment is one-time, the amount is small, about 30,000 rubles. Such a measure was adopted in crisis years. This is a way to help the family materially in the first year of the child's life.

In all other cases, it is necessary to wait for the baby to grow up and he will be three years old.

To get funds before you need to do the following:

• decide what funds will be invested;
• prepare all documents by which the legality will be confirmed;
• fill out the application form in the Pension Fund of our country;
• wait for resolving the issue.

If everything is in order with the documents, the reason for issuing the money is essential, then soon the tools can be used for its intended purpose.

How the capital uses

Have your own kinder house - the dream of each family. It is clear that the funds from "capital" will not help completely solve the problem, the amount is not so great as I would like. But if you approach the problem with the mind, you can cope. This amount is enough to cover the costs of building materials.

Construction companies conducted a survey among young families and revealed to have a separate even small house They want everything. Developed special projects Economy class, calculated consumable estimates. According to the documentation it is clear that on materials just enough funds from the size of "capital".

There is an option cheap houses Frame type. Houses are popular in the European part of our country. Are built very quickly for six months. It will take from 300,000 to more than 450000 rubles from 300,000, but provided that you will build a house with your own hands.

The size of "capital" just allows you to purchase all the necessary construction Materials . True, it will have to build themselves, but this is already a good support for our state. The main part will be compensated.

There is still an important point. The amount is not issued immediately. First, the family give half - about 200,000 rubles. The rest can only be obtained in six months.

Therefore, starting to build a house with your own hands for money for the certificate obtained, all conditions must be taken into account:

1. Create a draft of the future at home.
2. Calculate estimates.
3. Planning construction in terms.
4. Find contractors, discuss the deadlines for all the planned work.

Then you can negotiate with the employees of the Pension Fund's Department on the use of funds for the upstream of the house. You can build completelyIf there is no time, then contact contractors.

If there is no desire to wait for the sum, then you can first take a loan for constructionAnd then compensate for the costs using the certificate.

Many banks go towards young families and provide loans on mutually beneficial conditions.

• Alfa Bank, interest rate from 10.7%.
• OTP Bank - 14.9% per annum.
• VTB Bank of Moscow - from 14.9 to 22.9% per annum.
• Sovcombank - a loan of up to 35 years.
• Renaissance loan - from 15.9%.

But if you don't want to take a loan, then it is worth thinking about how to build your own housing.

House do it yourself

If parents have construction skills and a lot of free time, then you can build yourself. Often some families can focus on the weekend or vacation days. Then the construction stop will be delayed, but it will be a good savings for the family.

It is necessary to apply to employees of the Department of the Fund at the place of residence and get the first half of the Matkapal. It is possible purchase building materials on the initial stage of building.

There are several requirements that need to be observed:

• land must be decorated in all requirements;
• the land must owners of certificate.

The pension fund always goes to meet young families and if there is a desire to build a spacious hand comfortable home, it is impossible to break the law. All documents must be authentic, no fakes, fakes. The application must be represented in the correct form. Money is transferred to a bank account of any parent.

Resolution issues employees of the city architectural department. It is advisable to arrange everything before the preparatory work.

Construction with the help of contractors

The method is the most proven, but money will be needed much more. Professionals should be attracted to the construction of the house. There will be much less time, all work will be made quickly, efficiently. One minus - investments will need more. If there is some amount in stock for construction, then maternal capital will help reduce expenses.

The decision is made by the Pension Fund. If the answer is positive, then money will be transferred to contractors. Construction companies without a difference who will pay, it is important that the work was paid on time. There is only minus in such a payment system - money reach the contractor a little later.

In practice, there were no cases that contractors refuse to work with clients if they were offered to pay attention to the certificate. Usually they always go to meet the family and agree to wait as much as it takes.

Also first the first half of the funds from "Capital" translates and approximately six months - the second part. This moment should be immediately discussed with contractors so that there are no problems with payment.

We recommend to watch a video about the construction of the house on the means of the Matkapalo:

Reconstruction of the house with the Matkapalo

Sometimes money is required. The reconstruction of the house can be attributed to such criteria. But do not be confused with repair.

Features of reconstruction.

1. Housing is completely reorganized.
2. Square is changing, preferably in the biggest.
3. Strong bearing walls.
4. All communication and engineering systems are changing.
5. Premises are upgraded, for example, alteration of the attic in the attic.
6. The area increases at the expense of new residential attacks.

Immediately it is worth noting that for the usual decoration of the walls, the repair of the roof and the like money from "Capital" will not be allowed to use. Fool the pension fund staff and to issue repairs for reconstruction will not work. Everything will be carefully checked. It will take to submit all documents on the planned and extended work.

Methods of using funds for the reconstruction of the house

Since the law provides for helping families in the reconstruction of houses, they were developed different methods In the use of maternal funds for these purposes.

There are several ways:

• since usually money on a certificate can get only when the child is 3 years oldthen you can start reconstruction yourself and then get compensation for spent means;
• if the house was purchased using a loan, then the help of maternal capital can pay off early debt, and then alone to reconstruct the house;
• according to the law, reconstruction should be carried out with their own hands, without attracting construction companies, contractors.

That is, if a decision is made spend funds for the reconstruction of the house, It is necessary to immediately consider that all work will have to fulfill on our own, the money received will go for the purchase of building materials.

State control

According to the law funds "Capital" can not be translated into construction works in full at once. This is done not by chance. Thus, the state controls how much money and where it was spent by parents.

The procedure for issuing money occurs as follows:

• first Pension fund allocates half of the appointed amountAs soon as the application is approved, the money will be transferred to the account or card;
• after six months, employees from a special department will come and will be checked to be made on the translated amount, the quality of proven work, they must confirm that the money was really spent on reconstruction or construction;
• after checking, recorded in the documents that everything was done as filed in the application, all costs were confirmed by the submitted reports, checks, then you can count on receiving the second half of money And complete the reconstruction.

If parents relate to improving housing responsibly, then, as a rule, no failure to use funds from a certificate. Therefore, it is important at the initial stage to collect all required documents.

What documents do you need

Not to see the abandonment of employees government agencies In receiving funds to build a house, you need to immediately seriously treat all the necessary documents.

1. Statement. It describes the wishes and goals for the upstream or reconstruction of the house.
2. Certificate. Mom or father (or official guardian) is obtained during the receipt of "capital".
3. Passport Mom, who gave birth or dad (if the certificate is not written out). Need the original, not a copy.
4. Father's passport if the certificate is issued to the mother.
5. Marriage certificate. (Not always, you need only if the marriage is officially concluded). Usually this document is needed if the construction of the house will be engaged in the construction or alteration of the house.
6. Obtained in the BTI authorities permission for reconstruction (if funds go for these purposes).
7. Estimated project documentation (if the house is fully built).
8. Document confirming the right to property ( ready HouseIf the money is needed for reconstruction).
9. A document confirming the property of a land plot or long lease (for the construction of the house).

To clarify the list of documents in more detail, the Pension Fund employees need. Legislation every year amendments and changes.

Compensation of house construction costs

Sometimes you can " capital "use as compensation for the cost of building a house. That is, if the house was completely built on its own, but the money from the state was not received.

The house began to build before the birth of a second child, a loan was taken for these purposes. The kid appeared in the family and received a certificate. In such a situation, you can wait when the child is 3 years old And then with documents to contact state bodies.

1. Fill out the application on the letterhead, submit personally to the Pension Fund staff. There is a possibility to send an application in electronic form through the government portal "Public Services".
2. By mail, send copies of all necessary documents (listed above), but certified by the notary.

The application is considered about a month. Usually the answer is always positive.

Maternal capital - One of the ways of social assistance to citizens who have two or more children. The goals for which government money can be spent determined by law. Construction or reconstruction of a private house is one of the legal ways to use subsidy. And in some situations it can be done, without waiting for the three-year-old child. Let us consider in more detail, under what conditions are allowed to send maternity capital to the construction of the house, whether it is necessary to make a mortgage and what documents will be required to assemble.

Terms of use of the Matkapali for the construction of the house

Legally established that money parents have the right to use for limited costs of expenses:

• improving living conditions;
• payment of studies for a child;
• an increase in the accumulative part of the parent pension;
• implementing social guarantees of children with disabilities.

Under the concept of "improvement of living conditions", the purchase of a private house is also understood, including a mortgage, its reconstruction or completion. The construction of the construction is carried out by its own or with the involvement of hired workers.

It is possible to spend one of the ways the certificate issued by the State:

1. Without mortgage. Approve the project and start building yourself. It will be necessary to justify costs, for example, for the purchase of building materials, or conclude a contract for certain types of work. The child should be fulfilled at least three years.
2. Issue mortgageUsing family capital tools as the first installment and / or to repay the principal debt, interest.
3. To pay off a mortgage that has already been framed earlier, with funds with a certificate.
4. Get compensation for the already erected a private house.

Each case will be considered individually. General requirements of the FIU are:

• The plot is located within the country.
• The person has the right to the corresponding site.
• The person has permission to build an object.

The procedure for using a subsidy is regulated by special legal Act Federal Law "On Additional Measures state support families with children. " It is he who contains the rules by which the certificate means is allowed to spend, requirements for the residential object, documents. The same law determines that an attempt to cash out the certificate fraudulent methods leads to responsibility in accordance with the Criminal Code of the Russian Federation.

It is also worth paying attention to other provisions of legislation that can indirectly affect the issue. For example, legal acts and regulations Specific region I. social Pointconcerning the construction of real estate.

Which house can be built at the expense of Gosussidy

To build at the expense of the state subsidy, you can exclusively the house corresponding to the construction and housing standards. Under the house is understood as a separately located object, the height of which does not exceed the three floors. The structure should be suitable for permanent residence in any season.

The following requirements are presented to the house:

• The object must be in the residential area, that is, in the settlement.
• The house should have a foundation.
• The structure should be safe for accommodation.
• Engineering communications must be supplied to the house. Mandatory electricity is required (solely by specialized companies), plumbing or well, sewage (if it is possible), heating (furnace or gas).

The construction of a temporary object for the means of the materials of the Matkapital is not allowed. The house can be wooden, frame or brick, but it is a residential.

At the moment, the use of a certificate in terms of real estate is permitted only on improvement living conditions. It is impossible to invest in the purchase of land. The exception will only be the situation when a plot is purchased with a residential object located on it, subject to its compliance with the requirements.

Construction for funds from a certificate is allowed, provided that the Earth belongs to categories:

• for personal subsidiary farming (LPH);
• for individual housing construction (Izhs).

The law does not provide for the expenditure of maternal capital for the construction of cottages, garden houses on dumart sites or in SNT.

How to spend money without waiting for 3 years

Without mortgage, Matkapital can be used only three years later, after the birth / adoption of the second or subsequent children. Money from the FIU is spent directly, without intermediaries.

The only way to spend money up to 3 years, send them to repay a mortgage loan. The loan is drawn up in a bank or a credit and consumer cooperative. Earlier financial institutionsWith the right to issue such loans, entered MFIs. But now attract them to use the means of the Matkapalo illegally. At the same time, the requirements put forward to the real estate object by the Pension Fund are saved. If the structure does not correspond to them, the FIU has the right to refuse to spend the subsidy.

You can make a deal not only through Sberbank, but through any financial institution receiving family capital for repayment mortgage loan. However, the selection should be treated extremely carefully, stopping on banks and PDAs. It will save the applicant from participation in fraudulent transactions with unscrupulous organizations.
Compensation for the already erected building

Another way to use state subsidy - Get compensation for expenses for a private house that has already been built. The only condition - the structure must be erected after January 2017.

Procedure for compensation:

• prepare Documents that will enhance the costs produced (checks on materials, a finished project, contracts for attracting contractors);
• arrange an object in joint property on all family members;
• prepare other paper - permission for construction, document on the possession of the site, passports of parents and the birth certificate.

All persons who have built a house meet the requirements of the Pension Fund can be right. Otherwise, the cost reimbursement will not work.

Using Matkapalo without a mortgage

Construction can be produced in two ways:

• on their own;
• contractors, construction and repair organizations that have a corresponding permission.

Depending on the method of the selected method, the procedure for actions and payment of subsidies is distinguished, the document package is somewhat different.

Construction of your own

If the house costs with their own hands, without the involvement of third-party organizations, the funds of the FIU lists in two stages:

1. The first payment can reach 50% of the balance of maternal capital. The FIU issues money for up to two months from the date of registration.
2. The second part is listed not earlier than six months after receipt of the first. But it is required to confirm that the construction of the house goes on the planned plan and work is actually carried out.

To get the first of money, you must provide:

• permission to build an object;
• certificate for maternity capital (original and copy);
• papers proving the right to the site;
• bank details for which the FIU will translate money;
• a notarized commitment to design a residential house in ownership of all family members.

The second share of funds separation of the Pension Fund issues, after granting a newly compiled statement on the spending of the subsidy (for the remaining share), as well as the documentary confirmation of the actual construction, installation, repair work, the procurement of materials. To avoid fraud from the applicant, the FIU employees can independently come to the place where the building is erected, to see the availability of building materials, explore the activities of contractors. Therefore, it is not recommended to attract organizations that do not have permission to carry out construction and repair work.

Hiring contractors

If, for the construction of a private house, the applicant attracts specialized companies, funds can be listed on the expense of the company not two, but one payment. But it will be necessary to arrange an agreement with a construction and repair company.

Package of securities required for money:

• application for disposal by means;
• contract for the work of the contractor forces;
• bank details of the company to which the translation will be carried out;
• documents for Earth.

As already mentioned, without a mortgage, you can manage the tools after the battery three years. To spend money earlier, the target loan is required or a loan. In the latter case, the lender, such as a bank, makes payment to the Contractor, and the PFR will subsequently list the money to the bank. The scheme is completely legal, but if the amount of the mortgage loan exceeds the balance of funds in the FIU, the applicant will need to confirm employment and earnings. The only drawback of the method is the payment of interest accrued by the Bank. This will increase total costs.

Reconstruction or completion of a private house

Improving housing conditions also involves reconstruction or completion of a private house. For these purposes, MSC spending allowed on general conditions. But here the important role is played by such a thing as accounting standard Squarewhich will be different for different regions. On average, it is equal to 14 meters. The Pension Fund will agree to the use of a certificate if the square housing area after the completion or reconstruction will be increased.

The procedure for obtaining and using money is similar to buying a house or construction. If the applicant is working on its own forces, the transfer of funds is carried out in two stages. The first part will arrive after the approval of the project, to obtain the second one should contact the separation of the Pension Fund, pre-issuing an act confirming the change in the area of \u200b\u200bthe house to the most side.

The state subsidy for families is often used to build own house. The legislator allows such a step, as it allows you to improve the living conditions of the family, including children. Works can be carried out by their own or involving specialized organizations - suitable option Parents choose themselves.

Read also

Information exchange between Central Bank Russia and registered on the territory of the Russian Federation participants financial market. A new version personal Cabinet Central Bank and its capabilities. Advantages and disadvantages new version. Step-by-step account creation algorithm

Purchase real estate for our own savings during such instability in the country is very difficult.

But this question is sharply in young families, especially.

After all, living with relatives or pay for a removable apartment is a risky option that will remain as a result without your own corner, due to the fact that this property does not belong to the payer.

The possibility of using state support

To date, the state helps a young family, introducing all new programs and support for this category of population. For citizens who have two or more children, at the state level it was decided to issue. It allows you to improve housing conditions or pay training, or to invest these cash retired mother.

The concept of improving housing conditions includes not only the purchase of finished housing, but also the construction of their own home. Also, these funds can be used to reconstruct real estate. For these actions, families need to be familiar with all the nuances and features of design.

Reconstruction of the house

Real estate reconstruction is a concept in which various construction work includes improving housing conditions, which will increase the use and operation of real estate.

The maternity capital is entitled to be used on such an action.

Reconstruction of the house includes the following options:

The reconstruction of the house does not include cosmetic repairs. This is not an improvement in the conditions for living, and therefore the cash from maternal capital is not entitled to be aimed at such actions. A quick response to the decision on the direction of funds will also not be. Most often, consideration of the application takes more than a month. And to submit an application, you need to collect all the necessary documentation.

Maternal capital can be used for reconstruction, but in the cases described earlier.

At the moment, maternity capital can used in the following ways:

• only in the case of the occurrence of 3 years to the child. Even if relatives did not wait for this moment and built a house, they are entitled to receive compensation by providing confirming documents to the legislature;
• you can attract cash from the bank. But here you need to remember that customer credit It is not entitled to be repaid with maternal capital. Therefore, it is better to choose to build a house;
• their own buildings without attracting construction firms and other contractors.

The state secured himself from fraud and revealed a certain feature When protecting funds from maternal capital:

• the first half of the sum of the person gets immediately after approval of the application. Listing by bank card produced automatically;
• as soon as it takes half a year, there will be an inspection and control of a special organ, and when fixing target use Cash, it lists the residual amount.

To obtain cash to provide full package of documents.

To get the first half of the amount, you need to provide:

Home construction

The current legislation allows families to build a house.

Many families decide on the future - to build a house with their own hands or with the involvement of a contractor with the help of state subsidies.

Options and terms of use of funds

In addition to the fact that cash can be used for the construction of the house, they can be used to repay credit commitments taken to the construction of the house. The main condition here is the design of all works in a documentary way. Then all documents confirming the actions are sent to Pension Fund.

There are several options for the construction of the house and use to this state support:

Procedure of registration and list of documents

If a child has already been three years old, then a person can count on receiving cash on maternal capital for the construction of the house.

For obtaining it is necessary:

A certain package of documents on confirming actions for construction is sent to the Pension Fund.

If a man attracts contractors , then you need to provide:

• construction permit;
• document on attracting a contractor;
• application for the duty of registration of all family members;
• the guide document on the Earth.

If desired alone to produce work Without attracting the contractor, the same documents are applied, but without a contract construction contract.

Some important features

It must be remembered that when building a house or reconstruction it is not necessary to wait for the execution of three years to the child. You can work on improving housing conditions now. The main thing is to maintain all checks and receipts in order to further compensate the costs with the help of maternal capital.

If, when building a house, a person can hire a contracting organization, then when reconstructing such an opportunity does not exist. This legislative acts are somewhat ill-impaired. After all, a person may not deal with communications or engineering technologies. However, while the law is and it is not thought out, such an action is impossible.

Also maternity capital is possible and for equity construction . To do this, you need to confirm membership in the cooperative, payment receipts, the Charter of the Organization and the application for the obligation to register all family members.

It must be remembered that the construction must be registered by all the rules. Maternal capital not issued on the construction of country buildings.

About the use of maternal capital for the construction of a private residential building is told in the following video:

Building a house for maternity capital: Analysis of the requirements for the land plot and the construction object + 2 ways to spend the maternity capital for the construction of real estate + the ability to cover by public funds already constructed object + 3 options for the use of family capital to design a loan for construction.

The increase in housing is the first and main question that concerns more than 50% of Russian families who have received state aid to the birth of a second child.

Despite the significant amount of material compensation provided by 453 thousand rubles, not many can immediately afford to buy a new apartment, if only because the cost of real estate has greatly grown.

In view of this, many family couples make a decision to spend maternity capital to build a house. About how this can be done and what requirements for real estate objects are made, let's talk in this article.

Is it possible to spend maternity capital to build a house?

Recall that family (maternal) Capital — federal programconducted by the state to improve the standard of living of Russian families who have two or more children (relatives or adopted).

At present, the amount of maternal capital is 453 thousand rubles. and can be spent on certain needs provided by the state.

And the main directions of its use are listed in the Federal Law of the Russian Federation No. 236 ( https://www.consultant.ru/document/cons_doc_law_64872.)

The legislative act Provides for the implementation of maternal capital for 4 needs:

1. Promotion of improving family residence.
2. Education and training of children.
3. Social adaptation and rehabilitation of children with disabilities.
4. The accumulation of a child's mother's pension.

Do not forget that you spend money provided for by the government to other goals, as well as to receive cash is not allowed.

Of all the presented embodiments of state assistance, the first direction is most often used, namely the improvement of housing conditions. This is not surprising at all, since such use of funds allows families to take care of their well-being, changing the living conditions for the best straight.

According to Article 10 of the Federal Law No. 236 ( https://www.consultant.ru/document/cons_doc_law_64872/2189b09639d1af2baefd5a961675b0b99.
B8A7652.) implies several options:

• Buying a private house or apartment, as well as a share in them.
• Reconstruction of real estate facilities subject to the main rule - an increase in the number of square meters.
• Building a private house on the land of land intended for this.

Taking into account the provisions of the current legislation, we can unambiguously answer that it is quite realistic to spend the maternity capital for the construction of the house.

IMPORTANT: under construction, its reconstruction is also implied in the event that it provides an increase in the number of square meters and redevelopment of the building.

Now consider in more detail how the construction of the house under the maternity capital occurs.

How to cash out maternity capital for the construction of the house: 2 main ways

Before proceeding with the relay of methods, we define the main provisions of the Law regarding construction.

In addition to the main options for the implementation of maternal capital, Federal laws Also stipulate the mandatory conditions for the real estate object and land, without complying with which the construction of the house becomes impossible on the maternity capital.

Requirements to Land plot (FZ № 256 http://www.consultant.ru/ Document / Cons_do. C_LAW_64872.)	Requirements for the object Construction (Decision Government No 47. http://www.consultant.ru/ Document / Cons_do. C_LAW_58136.)
Land for construction should be directly in the territory Russian Federation.	The residential building must be a fundamental building.
Puting the Earth should be owned by the certificate owner on the mat Capital or the second spouse. Also allowed by the use of land in lease.	In the building you need engineering systems, such as water supply, gas, sewage.
The land where the house is planned is obliged to be provided for individual construction.	The future built or reconstructed premises should guarantee the safety of people, so construction work is important to carry out in accordance with the technical documentation.

If all the listed rules are performed, the construction of a home for maternal assistance can be carried out in two ways:

1. Alone.
2. Turning for help from specialists.

Let us analyze each of the options in more detail.

Method 1. Construction of a house for maternity capital on its own.

Due to the fact that the construction of the house from scratch is a protracted business, many families decide to build their nest independently, without resorting to the services of contractors.

This option is an order of magnitude cheaper, but requires some knowledge in the field of construction. The government has provided such a progress of the development of events, thanks to which you are entitled to build a residential building.

To implement such a goal, the main thing you must remember is the procedure for calculating maternal capital for independent construction.

There is such a payment in 2 stages:

1. You need to contact the PF at your place of registration with the appropriate statement and collect a mandatory package of documents. In case of consideration of the application in a positive way, you will receive the first payment that cannot be more than 50% of total amount motherhood.
2. Using the resources issued to build a house for half a year, you must re-appeal to the PF to get the right to order the second part of the amount.

Simply put, for the construction of the house, you will not be able to get the whole amount to your hands. Public assistance funds will be issued in parts so that the authorities can make sure that the money is really aimed at the needs specified in the statement.

Now about everything in detail.

To contact the pension institution, to begin with, it will be necessary to find its address at your place of registration. Most likely, you already have it, because there you should have issued the accrual of the most maternal capital. But if you forgot it, you can use the online service of the Pension Fund of the Russian Federation https://www.pfrf.ru/contacts.

When you come to the desired department, you will need to write a statement to be able to dispose of maternal capital. To do this, you will need to specify the reason for its accrual to you. Application blank can be obtained directly to PF.

In addition to the Pension Fund, the application is also allowed through the MFC (multifunctional center). You can familiarize yourself with their addresses in your city. https://www.mfc66.ru/filials.

Package of documentation for the provision of the Russian Federation

Document's name	Note
1. Certificate for maternity capital.	Original and photocopy.
2. Passports of spouses.	Photocopy.
3. Marriage certificate.	Photocopy.
4. Permit for the construction of the property.	Issued by the local authority of self-government.
5. A document confirming the ownership of land.	Extract from EGRN.
6. The applicant's written commitment to issue a built building in common property.	Applicant's living space is undertaken for 6 months from the date of receipt of the cadastral passport.
7. Bank details Applicant.	Need to transfer funds.

After receiving all the data, the PF undertakes to consider the application within a month and decide on issuing funds. The authorized body must convey its decision to the applicant within 5 days. If the application was approved, then you will receive the first money transfer to your bank account.

Note: The whole procedure for making a solution and accrual of funds takes about 2 calendar months.

When money is received, you have half a year by order them. After you have the right to request the remaining amount. To do this, you will need to appeal to the PF or IFC with a statement, but in addition to the main list of documents, you will need an additional act of examination of construction work.

Such a document is needed for the report on the targeted consumption of funds of family capital. It is issued by the local authority, which is authorized to also issue permission to build.

Remember that you can only resort to this method when the child will reach 3 years of age.

Method 2. Construction of a home by contracting organizations.

If in the construction of houses you do not make sense or simply do not have time to do it yourself, then the optimal solution will in this case will use the services of contractors.

The rules for using maternal capital in such a situation are somewhat different from those discussed above:

• First, when you are resorting to the services of contracting organizations, you do not have to contact the Pension Fund several times, as legislation is provided in such cases one-time payment funds, but immediately at the expense of a construction organization.
• Secondly, the standard list of documents will be needed to add a few more securities.

But to prepare a full package of documentation, first need to find the organization with which you plan to work and conclude an agreement on the performance of work.

The construction contract is necessarily executed in writing and contains the customer and contractor data, determines the subject of the agreement, as well as the rights and obligations of the parties. An important point of agreement is estimated, that is, the "price" of the contract.

After the conclusion of the transaction, you can already contact the PF, submitting, in addition to the main documents, a copy of the contract of contract and bank details of the contract organization.

In all other things, this procedure looks the same as in the previous case: the PF considers the application and after its approval lists the entire amount to the account of the construction organization.

Do not forget that this transaction is possible only when the child will be 3 years old.

Is it possible to sell a house built on maternity capital?

Regardless of how your home was erected, you have the right to sell it.

If the children at the time of sale are 18 years old, then the usual sale and sale transaction is.

In situations where children are minor, you are also entitled to realize real estate, but only if:

• In exchange, another living space will be purchased, no less and no worse than the previous one.
• Money from sale will be credited to the child's bank account (the amount must be equal to or more than the share of a minor).
• Shares will be highlighted every child in another building, for example, in the house of close relatives.

Can the maternity capital covers the construction of the house "rear" number?

I ask for such a question, many mistakenly believe that it is simply impossible to make such a procedure. But, fortunately many Russian citizens, such an order is permitted by public funds at a legitimate level.

Of course, if only the basic rules are followed:

• Your home was built no earlier than January 1, 2007.
• At the time of filing the application, the child was already 3 years old.
• The construction of the house was accomplished on its own, and not with the help of contracting organizations.

If such requirements are observed, then you can use mat Capital to cover past spending. And you have the right to dispose of the amount at your discretion, that is, spend all material assistance At once - on the payment of construction or divide the amount of compensation for several parts.

By general ruleYou need to contact the authorized body (Pension Fund), write a statement and add the necessary documents. After accepting a statement, the authority will consider your application and will make the appropriate decision.

Documents that will be needed to compensate for the funds for construction:

Cash the maternity capital for the construction of the house - this is undoubtedly good contribution to the future. But we all understand that the amounts of 453 thousand rubles. Today is not enough to equip living space. And how to be if square meters are simply necessary, but there are no personal savings in additives to public funds?

Output one - take a loan.

How to make a loan for building a house for maternity capital: subtlety procedure

Take a loan, extinguished part of the loan amount of family capital, - it became for many families in Russia in Russia, the only option to change their living conditions. Especially in the light of the fact that you can pay a loan with the help of the Capital Mat, when the loan was issued before the federal program.

This rule made it possible to use a loan for building a house for maternity capital in 3 situations for:

1. on a loan agreement.
2. Repays of the principal debt.
3. Payments for monthly payments.

At the same time, to cash the maternity capital to any of these needs, it is necessary to comply with the main rule - a loan under the mat Capital must be targeted.

This means that it cannot be consumer or any other. The contract of lending should be clearly spelled out that the loan is issued solely on the construction of the house.

The loan procedure consists of several stages:

1. You need to find a bank institution that will give you a loan for maternity capital. Make it is easy, but you need to take into account that in connection with the economic situation in the country, only large banks We are issued by such loans.

   In addition, since 2015, the maternal capital can be repayed only bank loan. The use of public funds to pay loans in MFIs (microfinance organizations) is not allowed.

Note: This item does not concern those citizens who issued a loan in the bank earlier and plan to pay off the balance of debt due to maternal capital.

2. Fit suitable credit Institution, It can be started to design a loan agreement.

Do not forget that you will compile a contract you will be with bank employee Directly based on your situation, but you must trace the goal of the loan - the construction of the house.

3. When the contract is issued, it is necessary to go to the pension fund and apply for an order by the means of maternal capital.
4. The application must submit a package of documentation previously collected.
5. The last step is to make the decision of the PF and the transfer of funds to the account in cases where the decision was made in your favor. The term of consideration of the application takes a little more than a month.

Now more about the documents that you will need to provide to the Bank and the Pension Fund.

To get a loan for the construction of the house, consider that banks have some requirements for borrowers who wish to use maternity means:

• The applicant must be 21 years old (as long as the rule - 18 years old, but in such situations there are more chances of success after 21 years).
• The borrower must be certainly a citizen of the Russian Federation.
• It is necessary to have a permanent job where the citizen is listed at least 6 months.
• The applicant must provide a deposit that is most often a land plot for construction. It is important that it be issued directly to the ownership of a borrower or spouse.

Documents that will need to make a loan under the mat Capital:

Documents for granting bank

Documents for providing in PF

Original and photocopy of the certificate for maternity capital. Income certificate from work. Passport of a citizen of Russia. Extrusion of the right of ownership of the land plot, if it is provided as collateral. Passport and certificate of income of the spouse or other person who is the guarantor. Note: In addition to the main documents, banks can also request a certificate from the Pension Fund on the balance of funds according to your certificate. In such situations it will be necessary to apply to PF.

Certificate for maternity capital. Applicant passport. Marriage certificate. Certificates of the birth of children. Written commitment to re-issuance of living space into common property certified by the notary. Bank details to enumerate funds. Copy of the loan agreement. Certificate from the bank about the balance of the principal debt, if you are going to pay off the mother capital debt obligation Or pay interest on the loan.

Tip: Contact PF will not be superfluous until you place in the bank credit contract. Employees of the institution will tell you in detail, where it is better to apply and how to specify the purpose of the loan, so that there are no controversial issues in the future.

In the future, if the authorized body approves the application, then maternatives At the construction of the house will be transferred to the bank itself.

Do not forget that the transfer of funds is possible only in non-cash form.

Since we are considering a question about a loan for construction at the expense of maternal capital, we can immediately answer another concern for many of the question: "Is it possible to spend the maternity capital for the construction of the house before the child's execution of the child 3?"

The answer is unequivocal - yes, it is possible, but only when family capital will be implemented to pay the loan. This rule is enshrined in Article 7 of the Federal Law No. 236 ( https://www.consultant.ru/document/cons_doc_law_64872/5b387355ab19399172e928551933
4E1EFB84EA37.)

As in the situation of the loan to achieve a child of 3 years of age, it is possible to implement maternity capital to the first installment, and on the payment of the principal debt. The degree of credit transaction itself will not change.

And finally, we will analyze the issues of reconstruction of residential premises using capital mat.

Maternal capital for the construction of the house.

How to use maternity capital?
Package of necessary documents.

How to implement maternity capital for the reconstruction of the house, and not on its fundamental construction?

To dispose of state aid to the reconstruction of square meters, it is important to remember only about one requirement - the reconstruction should provide for an increase in the overall residential area, at a minimum, one accounting standards.

The size of the living space accounting rate is set in each area separately local bodies self-government. The average account number is about 18 m².

Thus, reconstruction can be carried out when:

• One or more residential rooms are completed.
• Publishes the attic.
• Floors are added, etc.

The most important thing is that you should not confuse the reconstruction with the repairs ordinary, or with capital.

To reconstruct the building under the maternity capital, you need to use the same schemes as during the construction of the house. This means that you can redevelop yourself by receiving maternity capital in two stages or to compile a contract with a contracting organization.

Documents You should provide the Pension Fund are the same as in the cases of construction. Only, instead of permission to build a house, permits will need permits for the commission of the reconstruction of the property. The loan is also allowed for such work.

This will summarize. There are several ways within the law, how can the maternity capital for the construction of the house be used. We looked at all possible directions that sustain the construction from scratch and the loan design.

If you decide to such a responsible step, like construction, then pick up for yourself favorable optionto state Help helped in the most complete amount to solve your housing question.

We received the maternal capital money for the construction of the house
I have already written on this forum, about it, but there is a small addition, the other day we transferred money and we will start a construction site on Saturday.

Maybe my experience will be useful. Specify questions.
And so I will start from the very beginning. We looked after the land and acquired it through the contract of sale. (Best for the site to have a postal address, it will help further when making a construction permit). The land should be an individual / under individual residential construction / or LPH / for conducting a personal subsidiary farm, but the LPH should be on the lands of rural settlements, such almost in all villages. Since the previous owner has no measurements of the site, having received a certificate of land ownership in Rosreestre, we have entered into an agreement with the cadastral engineer to perform cadastral works (surveying plot, urban planning for town planning plan). Measurements made quickly for 1 day, then about a month cadastral engineer Preparing documents and filed them for approval to the administration of the district to the chief architect. We cost it about 10000r. Then we made changes in Rosreestre and waited for another 2 weeks. Having received a cadastral passport, we needed to get a building permit (it is necessary for the FFR).
We were helped by a person, for this we issued a notarial power of attorney 1000rub. (for the collection of documents and filing in various organizations, / administration, gas, energy, Rosreestr, etc. / for the construction of the house and summing up communications)
The person filed documents for the city planning plan and the construction permit to the administration of the district to the chief architect. Price negotiable We cost 3000r. And it took another 3 weeks. To resolve, you need a plan for the location of future buildings on the site, you can draw your hand. Please note that the size of the house is indicated in the construction size (for example, 6 * 6) and if you want to change the size later, you will have to change the construction permit. Permission is really 10 years old.
Next, we began to look for a contracting organization that will build us a house on MK. It should be an organization, LLC (limited liability company) that has a construction license.
Found a company. Our goal was to use fully MK. We have concluded a contract, naturally this is a small house 7 * 7 with a single-storey with a planter of a bar with partial finish. In the contract we prescribed the amount of 453000rub. 00 cop. (MK for 2015). Foundation and other necessary additional services We issued an additional agreement to the contract. I did not show it in the FIU. Of course, do not wait for you to build a choir only on MK. Here then will finish everything as far as possible, but the MK will help you.
So, the documents that need to be collected to provide in the FIU to build an object of individual housing construction (IZhS) with the involvement of a construction organization; This is if the MK certificate is decorated for mother and land certificate made up for mom.
1. Passport Mom
2. SNILS Mom (Pension Insurance Certificate)
3. Certificate MK
4. Certificate of the birth of all children
5. Construction permit
6. Construction contract
7. Documents confirming the ownership of the land plot, which is intended for housing construction.
8. Written commitment from the notary on the distribution of shares on husband and children
9. Help with details facial account contract organization.
10. The application for the order of the MK will be given to you at the reception in the FIU, you also fill in the sample.
If MK or a property document is decorated for her husband, then his passport and marriage certificate.
UNDERWATER ROCKS:
The PFR website has a list necessary documentsBut there are no all samples. To clarify them, you have to call the Department of the FIU, but they say that the samples are better to come to the reception.
Remember! On the submission of documents, you bring all the originals. Copies Makes the employee himself and makes an electronic thing.
In the contract, note that in the item, the subject of the contract must be a phrase contractor undertakes to perform next species works: Construction of an individual residential building, or installation of structural elements of an individual residential building.
We are building an individual residential building at the MK.
According to the law, the individual residential building under Article 49 of the Town Planning Code of the Russian Federation, which has entered into force on December 30, 2004, an individual residential building is an individual-defined building consisting of rooms, as well as premises of auxiliary use intended to satisfy citizens of household and other needs. related to their accommodation in it, which in the established current legislation of the Russian Federation registered ownership.
In such a way that the residential building is considered individual, there should be a combination of three conditions:
1. The house must be separate.
2. The number of floors should not exceed three (and the ministry regional Development The Russian Federation expressed the point of view that the floors should be considered both above ground and underground floors).
3. The house should be designed to accommodate one family.
And no one should ask you about the thickness of the walls or from which the foundation is made !!!

Now a certificate that a contract organization gives you. It is valid 30 days from the date of issue !!! There is no sample on the site, and give it only at the reception in the FIU. (Such is the harsh Russian reality).
I was given a sample, on him, I made a reference to the contractor.
Finally, the obligation is notarized. By the way, in Moscow cost 1200r.) I also got his sample in the FIU.
The result of all soothels, was my visit to the FIU branch, where I wrote a statement and I accepted all documents for consideration. Took this process for about an hour.
I returned all the originals, except the obligation to take it in the original, and you give a copy. You will also give you a receipt that your documents are accepted. Now we are waiting for 1 month this consideration, after it, you should come to the post office. And if the decision is positive, then the money to the account of the organization will translate you within a month. That is, money according to the law should be listed within 2 months from the date of submission of an application to the FIU. But as a specialist told me, usually everything happens even faster than about a month and a half.
We left exactly 2 months day a day.
P.S.
Someone will say that it is very difficult. But I can say that this is possible. I almost did everything myself (except for construction permission), due to the fact that I live in one region, and we are constructed in another. Of all the above, it is written you can understand that we spent on all documents for about 5 months. The most long building is a construction permit. All other documents can be collected in a couple of days if the developer is located nearby.

Facebook.

Twitter.

In contact with

Odnoklassniki.

Google+