One of the most main items of the waste of maternal capital is the item "Improving Housing Family Housing." This means that you can manage the MSK's funds in favor of the construction of your home or the purchase of an apartment, as well as making mortgages. Consider two options in detail: how to invest the maternity capital on credit and how to take a mortgage with the help of maternal capital.
How to use maternity capital to buy an apartment on credit
There is a special law of 29.12.2006 No. 256 - FZ "On additional measures of state support of families with children", which regulates manipulations with MSC. For example, you are allowed to invest the maternity capital in the amount of buying housing, but it is forbidden to use them for repairs or restoration of living space. Also, you must wait for the teeth of the child to start using the MSC's monetary parts.
You should pay attention to the fact that you can start the waste of maternal capital funds and without waiting for the execution of the three years to your child. This nuance is valid if you have already taken a loan for the construction or acquisition of housing and made the first installment. Then to invest. You have the right to immediately.
To appeal to the bank you will need:
- Form 2 - NDFL.
- Permission to order MSC (how to get permission will be discussed below).
- Certificate of maternal capital assignment.
- Passport spouses.
- Certificate of birth of a child.
In the bank you may require other documents provided for for one or another type of lending.
To buy an apartment by maternity capital should be carried out the main condition: property will be divided between all family members, including children.
How to use maternity capital to buy an apartment through a mortgage
At the same time, the method of buying an apartment you, necessarily, should wait for the testicle of the child and only then apply for the disposal of MSK means.
You will need all the documents listed in the first paragraph of the article. Note:
- You should not be the owner of some housing.
- Mortgage should be issued at the apartment within Russia.
- The sale of purchase - sales should not contradict the norms of the law.
- You share property on an apartment in equal shares on the spouse, yourself and children.
Also, after the conclusion of the transaction and before the full payment of the mortgage you will have new children, they should also be made to the owners of the apartment.
How to get permission to order maternity capital
You can submit an application at any branch of the Russian Pension Fund in your city. With you, it is necessary to have a passport, the certificate of assigning MSK, the birth certificate of the child, as well as the completed application form, which will provide you with the FIU employee. In addition to personal appeal, you can send a request via the Internet Pension Fund portal at the address: https://pfrf.ru.
- To begin with, register on the portal or sign in with the help of the public services. Return to the main page and find the "Electronic Services" tab.
- In the window that appears, select the left field "Personal Cabinet Citizen".
- Scroll down the page down until you see the field "Maternity Capital (Family) - MSK". Next, find the line "On the disposal of MSK means". Click on it.
- Fill in all fields with genuine information about yourself and your MSC certificate. In the fourth point, indicate the required amount of removal from the mother capital account and the reason for the request.
- Do not forget to indicate the territorial body of the Pension Fund of the Russian Federation to pick up his permission as close as possible to the house.
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