How to buy a house for maternity capital

The main purpose of maternal capital is to improve the quality of life of your children. Therefore, you can invest data funds not only in the formation of a child and a future retirement of the mother, but also in real estate, according to Article No. 10 of the Law of December 29, 2006 No. 256-FZ. Of course, this requires comply with some conditions approved by law. Check out the detailed list of your opportunities when buying housing for maternal funds, as well as with your duties regarding the transaction.

1
Ways to buy a house for maternity capital

There are several transactions that are approved for a contribution in the form of maternal capital. These include mortgage, repayment of the loan already taken, direct transaction with full one-time payment. But each of these options has its own nuances, let's look in detail what.

Mortgage on maternity capital

To take advantage of this opportunity, a young family maybe even before the teeth of the child, if the initial contribution is made at the MSK funds. To do this, prepare such documents:

Certificate of maternal capital assignment.
Passports
Certificate of birth of children.
A copy of the certificate of state registration of ownership of residential premises.
Target contract purchase agreement.

This means that the deal will be approved only if you enclose a specific contract for a particular house. You will not be given permissions when you have not yet decided on the housing.

The second important nuance is the division of ownership of all family members prescribed by the future address, or participating in the transaction. So, in equal parts of the right to the house will have both spouses, their children, and perhaps grandparents, if any participated in the transaction or live with them.
This is done in the interests of guardianship and guardianship bodies, which are designed to protect the interests and property of your child.

It is also better to draw your attention to those banks that offer special mortgage loans optimized for the use of maternal capital.

Credit for home from maternal capital

You cannot get a mortgage loan for maternity capital before the execution of the three years your child. The exception is the repayment of the loan already taken to the receipt of maternal capital. Let us give an example: you took a loan to the house or building a house until your second child appeared, that is, they themselves made the first installment from their personal funds. In this case, you have the right to use maternity capital in the account of the repayment of this loan.
In other cases, you will have to wait for the teeth of the child.

Construction of a house for maternity capital

The case of two drops of water similar to two options described by yours.

If you have taken a mortgage for construction - you are allowed to use MSK at any time.
When the first installment was made on your own, and you lack funds to repay a loan - maternity capital can also go to your disposal.
If you wish to take a loan or make a direct transaction, then you need to wait three years. Already then get permission in the Pension Fund of Russia and draw up documents.

Please note that the restoration and repair of the premises are not covered with the means of maternal capital.

2
Your duties when buying a house for maternity capital

The most important set of rules, without fulfilling which, you will simply refuse a deal or annul it later, which will bring even more problems. Take yourself to weapons each of them:

The ownership will be divided between all family members in equal shares, even between children.
You should not have the right to any living space, except for purchased.
You have received permission to the PFR of your city.
Your certificate about the assignment of maternal capital is not lost and is not spoiled.
The transaction uses only cashless payments.

If you have lost your certificate, it is possible to restore it in any separation of the Pension Fund by writing an appropriate application.

3
Getting permission to order maternity capital

You have two main options: contact the Pension Fund at the place of residence with a statement personally, or submit a petition in the electronic office of the FIU. How to make a second option, you will visually learn in the instructions below.

Go to the official website of the FIU by reference http://www.pfrf.ru. And select the "Electronic Services" tab.

Go to the left tab "Personal Cabinet Citizen".

Scroll down the down page, stop when you see the "Maternal (Family) Capital - MSC". Find the link "On disposal of maternal capital" and click on it.

Follow the input to the portal, since without this it will be impossible to apply. If you have an account from the public service website, the process will accelerate to two clicks with the mouse.

Now fill out all the lines in the application form. You need to accurately and truly enter your data.

Special attention is paid to the fourth "data on the disposal of MSC." To buy a house, you need to select the "Improve Housing Condition" in the first row, and then specify the type of payment and the required amount.