Can family capital be used for home renovation?

Use of maternity capital in the reconstruction of a private house

According to Article 7 of Federal Law No. 256-FZ dated December 29, 2006. One of the options for using maternity capital funds is to improve the family's living conditions. This area is a priority for this program, since its main goal is to create conditions for providing citizens with living space. There are also a number of other areas for using maternity capital.

The concept of improving housing conditions means purchasing a home, paying off a mortgage debt, or using funds as a down payment on a mortgage. Also, funds under this program can be used to build your own home or reconstruct your living space.

Reconstruction of a house using maternity capital

16. A house of 3 parts, for 3 owners, can I, at the expense of maternal capital, reconstruct the 2nd floor of my part. Two children of different sexes, having documents for their part of the house, a Certificate of state registration of rights, a husband and a neighbor participate in the common shared ownership, our part is divided between my husband and me at 17/100. Will they give me maternity capital for the reconstruction of the second floor in this case?

2. I am going to reconstruct a residential building using maternity capital. When I contacted the Town Planning Authority, I was told that as of August 4, the permit was replaced with a notice, what should I now provide to the pension fund? In the city plan. There are no forms for such notifications yet.

Registration of a house into common shared ownership

Those who are interested in how to spend maternity capital on home improvement will have to collect a certain package of documents and spend some time obtaining a certificate.

Where to contact

An application to receive a certificate for maternal capital should be submitted to the territorial body of the Pension Fund.

List of documents

As already noted, assistance for home reconstruction is paid in two stages. Let's list what documents are needed to reconstruct a house using maternity capital:

• parents' passports;
• marriage certificate;
• children's birth certificates;
• permission to reconstruct the house;
• documents evidencing ownership of the house;
• documents confirming the ownership of the land on which the house is located;
• obligation, within 6 months after receiving the cadastral passport, to register housing in the common shared ownership of the family;
• a certificate from the bank about opening an account with the provision of details.

In addition, you need to submit an application to the Pension Fund office. It should be mentioned that the person has not previously received this type of assistance.

A house, the construction or reconstruction of which was compensated by maternal capital, must be registered as the common shared property of children and parents. If this was not done before contacting the Pension Fund, then the owner of the certificate must submit to the Pension Fund an obligation to allocate shares.

You can fulfill your obligation in one of two ways:

1. Draw up an agreement on determining the size of shares - it can be changed if children appear in the future: they should also be allocated shares.
   The living space will either be immediately divided between all family members, or first between spouses, and children's shares will be allocated from their property.
2. Draw up a gift agreement: according to it, the parent (parents) give their children and (or) spouse a part of their share in the housing.

The minimum sizes of parts are not established by law, but lawyers try to prevent the allocation of “micro shares” (1/100, 1/200, etc.).

In practice, it is recommended to determine the size of the share depending on what part of the housing was paid for with maternity capital. What is built at the expense of maternal capital is divided among all family members, and the remaining area is divided between the parents.

Example

A family of four built a house for 2,265,130 rubles, 453,026 of which (1/5) were received from maternity capital as compensation. Each of the parents and children should have 1/5 × 1/4 = 1/20 of the housing, the remainder is divided between the spouses.

To sell a house that was built with maternal capital, the consent of the guardianship authorities is necessary, because minors own shares in the housing (Clause 2 of Article 37 of the Civil Code of the Russian Federation).

If all children have already reached the age of 18 or received full legal capacity earlier, then permission from the guardianship is not needed, because they can manage their property independently.

To obtain permission from the guardianship and trusteeship authorities to sell, you can:

• allocate children equal shares in housing available to parents (grandparents) or other relatives;
• buy a house or apartment with the proceeds, in which the children will own equal shares;
• put the money from the sale in the amount of the cost of the shares into the bank accounts of the children.

The procedure and required list of documents are established by the guardianship and trusteeship authorities in each region independently. Most often, you need to submit an application and attach to it:

• children's birth certificates;
• parents' identity documents;
• passports of children aged 14 to 18 years;
• certificate of registration of minors at the place of residence;
• an extract from the Unified State Register of Real Estate about the rights to the house and its cadastral value.

Other documents may also be required: a preliminary purchase and sale agreement, an extract from the house register, certificates of absence of debts for housing and communal services, etc.

The exact list of documents and conditions for issuing a permit must be clarified with the guardianship authorities.

In the list of possible directions for transferring funds under a certificate, Law No. 256-FZ allows for the construction of a house using maternity capital.

In this case, the concept of construction includes the following actions:

• disposal of maternity capital for the construction of a new house;
• use of maternity capital for the completion or reconstruction of a house;
• allocation of mat capital for actually completed construction.

The main problem that will arise for citizens who have begun building a house using maternity capital will be confirmation of documented expenses. If any store issues such documents for purchased materials, then constructing an object using your own efforts will not allow you to objectively assess the cost of the work.

Even if the house is still under construction, you can apply for capital. The funds received reimburse the expenses incurred.

To do this, you must provide the Pension Fund with a package of documents:

• identification document;
• SNILS;
• maternity capital certificate;
• extract from the cooperative's statement;
• charter of the cooperative;
• a certificate indicating the part of the amount paid and the amount of the remaining debt;
• assurance that the property under construction will be re-registered to the family no later than six months from the date of completion of construction.

In this case, Pension Fund employees carefully study not only the right to receive maternal capital, but also the property itself.

Obtaining maternity capital for home reconstruction

Maternity capital can be obtained to improve living conditions by families with 2 or more children. One of the options for changing living conditions for the better is to reconstruct the house. In the article we will look at some features of registering maternity capital for reconstruction.

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Reconstruction begins with an assessment of the current condition of the house in order to find out information about the technical condition of the supporting structures and the degree of wear. The next stage is the development of design and estimate documentation, which must reflect all types of construction work used at the site . After clarifying the details, citizens need to contact local government or state authorities (usually BTI or Rosreestr) to obtain permission to carry out this work.

Maternity capital for house reconstruction - how to use it

At the moment, for many families with more than 2 children, maternity capital is an excellent solution for improving living conditions. The concept of “improving living conditions” includes not only the acquisition of a new apartment, but also the reconstruction of existing residential areas. In this article, we will tell you in detail about what home reconstruction is, how to carry it out using maternity capital funds, and what documentation you will need to provide.

1. Family type capital is designed to be spent only when the child turns 3 years old. If the parents decide not to wait for this period, then she may even receive compensation for the funds spent after the age of three.
2. Raising funds from capital is also a fairly common method, but we draw your close attention to the fact that in this case it will not be possible to repay the loan early using maternity capital, since the bank has the right to repay only loans for the purchase of new housing or its construction.
3. Also, do not forget that, in accordance with the legislation of the Russian Federation, all those reconstruction measures that you intend to carry out must be done independently without the involvement of any repair companies, teams, and especially contractors.

How is home reconstruction different from renovation?

The government strives in every possible way to support families in which children are born and grow up. One of the assistance measures is the provision of maternity capital (hereinafter referred to as MK). In 2020, certain changes appeared in this area.

What is the latest news, and what is the family entitled to for the 3rd child? Many compatriots believe that the appearance of a third child in the family gives her the right to receive an amount of one and a half million rubles, but this is not so. In all other situations, maternity capital is not provided to biological parents, guardians/trustees, or children. The bill adopted on this issue was repealed in 2020.

In 2020, the exact value of the MK is 453,026 rubles. This amount is subject to indexation annually, so it increases by several percent.

Considering this value in dynamics, we can note the following: According to expert forecasts, in 2020 there will be an indexation of 3.8% with inflation of 4.3%, and in 2021 – by 4% with inflation of 3.8%.

In 2020, as before, there are several areas for spending maternity capital funds: In 2020, there will be no significant changes in this program.

The conditions for receiving and using funds will remain the same. Federal Law No. 390 “On Reducing the Time for Making a Decision...” was created.

In accordance with it, the issuance period will be 15 days from the date of registration of the application. Another innovation is the beginning of Federal Law No. 217 dated.

• Within the framework of this norm, the concept of “dacha” appears, as well as the possibility of building a residential building on a garden plot at the expense of MK funds.
• The lack of actual innovations in 2020 is due to the fact that most of the changes were introduced in 2020: The MK was extended until 2021.
• The launch of the mortgage subsidy program plays an important role.
• Maternity capital is far from the only measure of support for families with children.
• Citizens have the right to receive appropriate benefits related to pregnancy, childbirth, and child care up to one and a half, three years.
• Along with this, payments of a regional nature are valid, which vary depending on the specific locality, as well as the region, republic, and region of residence of the family.
• Since the beginning of 2020, in connection with the president’s initiative, several measures of social support for large families have been applied.
• The requirements for a candidate for maternity capital for a third child are no different from the conditions developed for receiving funds for a second.
• The first thing you need to do is submit a corresponding application to the Pension Fund.
• You can act in one of the following ways: When submitting documentation in electronic form, over the next five days you must personally bring the missing papers to the Pension Fund.
• To receive a personalized certificate and not face a refusal, you need to prepare in advance and then present the following papers: A final decision on the application will be made within 15 days.
• This period was halved within the framework of Federal Law No. 390 dated.
• Within 5 days from this moment, the Pension Fund will send a corresponding notification to the applicant with satisfaction or refusal.
• In most Russian regions, parents have the right to register not only state (federal) maternity capital, but regional one.
• The conditions under which registration and receipt occur, as well as the amount of social assistance, are regulated by local legislation.
• However, as already noted, in almost all autonomous entities, payments begin only upon the birth of the 3rd and each subsequent child.

The exact size of the regional MK depends on the capabilities of the local budget, so the amounts are different: All aspects are regulated by local legislation. In regions with less social support, growth occurred by only 12.9%.

The statistics are that in regions where maternity capital is higher (from 150,000 rubles), the birth rate is higher. Thus, in 2019, changes occurred, but they were few and insignificant.

The amount of maternity capital remained the same as in previous years.

But the waiting time has been reduced, and instead of a month you can get MK in 15 days.

Improving living conditions means purchasing a new apartment or house, building an individual residential building, constructing an extension to expand living space, and repaying a loan issued for the purpose of purchasing housing. In all the mentioned cases, either a new residential property is purchased, or the technical characteristics of previously purchased/previously built housing are changed.

Renovation is, it would seem, also an improvement of an apartment/house, since living in a renovated room becomes more convenient, cozy, and sometimes safer. However, the authorities considered that repairs should not be included in the list of targeted funds. Another thing is that many people mean by the words “home renovation” the reconstruction of a building. And you are allowed to spend money on reconstruction.

Since 2010, there has been an amendment to the law on maternity capital that allows the certificate holder to reconstruct a house. Reconstruction must involve an increase in living space - this is a prerequisite. Only if the house is enlarged can reconstruction be considered an improvement in living conditions.

In this case, reconstruction does not mean the construction of a new individual house, but the carrying out of serious work that is carried out with the aim of changing the technical characteristics of a previously built house, and which must be agreed upon in advance with the authorized bodies. As has already become clear, the renovation of the apartment could not meet the given conditions. Reconstructions are of the following types:

• converting the attic into an attic (this creates additional space for equipping the living room);
• construction of an extension to an existing house;
• other construction work, as a result of which the area of ​​housing is increased (with the coordination of the work with the administration).

Pension Fund experts receive a lot of questions about in what cases maternity capital funds can be paid for housing reconstruction. To figure out for yourself whether the PFR consultant’s answer will be positive, you should pay attention to 2 points:

1. Maternal capital funds are never allocated for any reconstruction of an apartment - according to the law, only payment for the reconstruction of a private house is permissible.
2. The reconstruction of the house must be carried out with the aim of increasing the living space by at least 18 sq.m. This could be the construction of an extension or the conversion of an attic (non-residential) into an attic (residential).

Question No. 1: How to confirm with the Pension Fund that as a result of the reconstruction of a residential building, its area was increased by 18 square meters?

Answer: It is necessary to draw up an act, for which you should contact the town planning and architecture authorities at the administration of the locality.

Question No. 2: Will maternity capital be paid for the reconstruction of a residential building, the area of ​​which has been increased by 18 sq.m., if there was sufficient living space per family member before the reconstruction?

Answer: Yes, the funds will be paid. The law does not establish a limitation on the basis that the housing area was sufficient to accommodate all family members before reconstruction.

In the context of the issue under consideration, it is worth understanding that repair and reconstruction are different concepts.

At the same time, the law provides for the reconstruction of housing using maternity capital. It involves carrying out certain work that entails increasing the size of the existing living space. In different regions, the standards by which living space can be increased are different. They are set by local authorities.

• additional floor,
• vestibule,
• attics and so on.

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Many are interested in whether it is possible to cover the roof with maternity capital. Although such work will significantly improve the living conditions of the family, as well as sewerage, water supply and much more, they fall under the category of repairs, and therefore cannot be carried out at the expense of maternal capital.

Is it possible to spend maternity capital on home renovations?

On the other hand: it’s good if the family lives in the suburbs of Moscow or another metropolis, where there are many contracting organizations. But where can those who live far in the outback find such a construction company? Even if someone is engaged in professional repair work and knows how to build and reconstruct well, it is unlikely that he is officially registered and can provide a report.

This is a standard package of documents that is submitted to the Pension Fund when making any payment from the Pension Fund. In addition, when a house is being built or reconstructed, the owner of the capital must write a written commitment to the Pension Fund stating that he undertakes, within six months after completion of such work, to register the residential property as shared ownership of family members.

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Contacting the Pension Fund

As noted earlier, to receive maternity capital, you need to contact the Pension Fund and indicate the purpose of reconstruction in a written application. Next, you need to collect and provide a certain package of documents.

After submitting all the papers, Pension Fund employees review them and, if the answer is positive, transfer 50 percent of the funds to the mother’s current account within two months. The remaining amount is paid out after six months.

After completing the reconstruction of the house, employees of the Pension Fund can come with an on-site inspection to check how the construction went and how purposefully the funds were used.

Required documents

In addition to the application to the Pension Fund, you must provide a certain package of documents. A fund specialist will tell you exactly what documents are needed. The main ones include:

• passport of mother and father (original and copy);
• Marriage certificate;
• certificate of family capital;
• a document certifying ownership of a land plot and a residential building;
• a certificate giving the right to carry out reconstruction of the house;
• bank certificate confirming the opening of a current account.

The fund employee may also require an additional package of documents. It all depends on the region; everywhere has its own rules and nuances. After submitting the documentation, you must wait for the results of the check; if everything is in order with the documents, then the Pension Fund transfers maternity capital funds to the current account. After receiving the funds, the family can begin to reconstruct their home.

Maternity capital for the construction and reconstruction of a house

An increasing number of families with different incomes are striving to live in their own house on the land, so the construction or reconstruction of individual housing as a means of using maternity capital funds (in 2012 - 387,640 rubles 30 kopecks) is now very important. How and in what cases are funds transferred?

Information from the Unified State Register of Rights to Real Estate and Transactions with It and information confirming the issuance of a construction permit, carrying out basic work on the construction or reconstruction of an object is requested by the Pension Fund of Russia bodies from the relevant departments in the system of interdepartmental interaction, therefore citizens applying for the disposal , has the right to provide the specified documentation to the Pension Fund on its own initiative.

Using maternity capital to renovate an apartment or reconstruct a house

• document proving the identity of the applicant and her place of residence;
• paper confirming the birth and Russian citizenship of children;
• certificate of entry of the child’s father and mother into official marital relations or of divorce;
• SNILS for each family member.

It is also necessary to mention for what purposes state aid should not be spent. Thus, it is not allowed to use maternal capital to pay off existing debts on utility bills and consumer loans, buy a car and place this money on deposits. And for those who are interested in whether it is possible to cash out maternity capital, we will immediately warn that this is prohibited by law.

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Is it possible to use maternity capital to reconstruct a house?

After receiving the first part of the funds, you must begin the actual work that was planned in advance and indicated in the application. After their implementation, you can receive the second part of maternity capital for the reconstruction of a residential building, which is represented by compensation for expenses already incurred.

Maternity capital for home reconstruction is used quite rarely, since this process is considered complicated due to the need to prepare numerous documents. Also, certificate holders do not always receive approval from the Pension Fund.

Obtaining maternity capital for home reconstruction

Let's consider the following feature of providing maternal capital for reconstruction - as a result of all repair work carried out, the total area of ​​a residential building must be increased by at least 1 accounting standard area (Article 50 of the Housing Code of the Russian Federation).

• a copy of a document confirming the right to own or use a land plot (for example, a purchase and sale agreement, lease agreement, inheritance agreement, etc.);
• a copy of the certificate of registration of the object as an individual housing construction;
• information about the bank account to which the funds should be transferred (and the account must be opened in the name of the applicant);
• a copy of the building permit that was issued to the spouse or applicant.

What are the requirements for house reconstruction work?

To compensate for the construction of a house with maternity capital, according to legal requirements, it is necessary that:

1. The premises were located on the territory of the Russian Federation.
2. Ownership of the housing was registered no earlier than January 1, 2007 - or reconstruction was carried out starting from this date.
3. The construction was carried out on our own, i.e.
   without the involvement of third parties. In practice, some branches of the Pension Fund pay compensation even if the house was built by a contracting company, but in each specific situation it is necessary to consult with employees of the Pension Fund.
4. The housing was the object of individual housing construction, which, according to Part 39 of Art. 1 of the Town Planning Code:
   stands apart from other houses;
5. has no more than three floors;
6. no higher than twenty meters;
7. not divided into apartments.

You can divide housing and allocate shares:

• in advance, before submitting an application to the Pension Fund;
• within six months from the date of transfer of maternity capital. Then the owner of the certificate must submit to the Pension Fund a notarized obligation to allocate shares.

The land plot must have one of the following types of permitted use:

• individual housing construction;
• personal subsidiary plot.

The owner of the certificate or her (his) spouse must have the right of ownership of the plot or the right of lease, lifelong inheritable possession, perpetual or gratuitous use.

The Pension Fund will not allocate funds for every reconstruction of a house - it is necessary that the construction work meets the conditions of the maternity capital program. In order for the money to be received after the owner of the certificate writes an application to the Pension Fund of the Russian Federation, it is necessary that, as a result of reconstruction, the area of ​​the house has been increased by at least 1 accounting standard area.

This measure is approved by regional authorities so that it is possible to establish the level of provision of persons living in a given subject of the Russian Federation with living quarters and the need for improved living conditions. As a rule, we are talking about 18 square meters. This is exactly the amount of housing space in most regions that should be allocated per family member.

Since 2007, the state has been issuing maternity capital to support young families. All payments are made by the Pension Fund, and the benefit can be spent on a variety of needs, including the purchase of housing. For young families, this is a chance to improve their living conditions, as real estate prices are only rising.

• If the site has a designated purpose of DNP, that is, it implies the construction of a house that is suitable not for annual residence, but only for recreation.
• Land located in SNT, that is, land allocated for the construction of a house for recreation and growing crops for personal use.

This article describes in detail about maternity capital for dacha construction, and everything you need to know about it. Is it possible to build a country house for maternity capital? In order to answer this survey, first let’s figure out what maternity capital is and who is entitled to it.

Initially, the use of maternal capital was possible to improve the family’s living conditions (including the ability to buy housing that meets the requirements); to pay for educational services for children (including payment for kindergarten and higher or secondary vocational education); to increase the mother's funded pension.

But since 2020, two more areas for using the certificate have appeared: the purchase of goods and services for disabled children, and a monthly allowance from maternity capital funds for families who gave birth to a second child after 01/01/18 (provided that the family income per person per month is not exceeds 1.5 subsistence level).

According to Law No. 66-FZ on dacha associations, a residential building can be built on the received plot. But the land allocated by the dacha non-profit partnership is intended for growing crops, constructing outbuildings and locating a dacha house. The Pension Fund is not satisfied with this formulation. Therefore, maternity capital for the construction of a house on a summer cottage is not transferred.

Every person dreams of a cozy family nest. Some people buy ready-made housing, while others want to build their dream home themselves. Using maternity capital to build a house, you can partially or even fully pay for the necessary materials. For example, in the European part of Russia, new frame-type buildings are becoming increasingly popular. If the family builds it on their own, then 350-400 thousand rubles is enough to purchase the necessary materials.

After Federal Law No. 217 of July 29, 2017 came into force on January 1, 2020, the construction of a residential building using maternity capital on a “dacha” plot became possible. However, the very concept of “dacha” no longer exists at the legislative level; “dacha partnerships” have been replaced by horticultural and vegetable gardening partnerships.

In 2020, the most popular area for spending maternity capital remains improving housing conditions. Many families use the funds from the maternal capital certificate (in 2020, it is provided in the amount of 453,026 rubles) to build a private house or receive compensation for work already completed (compensation can be received if the right to the built house was registered no earlier than January 1, 2007). It does not matter how the construction is carried out, independently or with the help of a contractor.

In the Yaroslavl region, order No. 20-11 provides a large family with 56 thousand rubles, in the Astrakhan and Vladimir regions (according to laws No. 85/2016-OZ and No. 127-OZ) - about 57 thousand rubles, in the Trans-Baikal Territory (law No. 107-ZZK ) — 63,515 rubles. In other subjects, this amount grows, ranging from 70-75 thousand (in the Volgograd and Kirov regions according to laws No. 246-OD and No. 546-ZO) to 100 thousand (according to the law of the Vologda region No. 3603-OZ).

• Amur Region (law No. 446);
• Bryansk region (law No. 97-Z);
• Irkutsk region (law No. 101-OZ);
• Novosibirsk region (law No. 125-OZ);
• Nizhny Novgorod region (law No. 130-z);
• Pskov region (law No. 1060-OZ);
• Samara region (law No. 122-GD);
• Saratov region (law No. 212-ZSO);
• Tambov region (law No. 11-Z);
• Khakassia (law No. 64-ЗРХ);
• Chuvashia (presidential decree No. 100).

In addition to the foundation, the house must be provided with a year-round supply of all necessary conditions. The land near it will also be checked. So, according to the law, it should be intended for gardens, but not be used for vegetable gardens and various types of plants.

In addition, the meeting will consider the structure of the house itself: its foundation, walls and other features. In court, you will have to prove that the house is safe to live in and therefore suitable for a child to live in. If the bailiffs make a positive decision, the dacha plot will be considered a residential building, and you will be able to buy the rights to it with the help of maternity capital.

1. Certificate for receiving family capital;
2. Documents establishing the right to land;
3. Construction permit issued by the local government;
4. Construction contract, if the construction of the house is carried out by a special organization;
5. Marriage certificate, in the case when the spouse builds a house himself or enters into a contract. And also if the land is his property;
6. Certificate holder's passport;
7. Spouse's passport;
8. An obligation to register the building as the common property of all family members, notarized.

In particular, a document confirming the fact of the creation of a real estate object on a land plot intended for dacha farming or gardening, or the fact of the creation of a garage or other real estate object (if the construction or reconstruction of such a real estate object is not required in accordance with the legislation of the Russian Federation to issue a permit for construction) and containing a description of such a real estate object is a declaration about such a real estate object.

What conditions must be met for a dacha to be recognized as a residential building? Firstly, the dacha or garden plot on which the dacha is located must be located on lands designated “for individual housing construction” (usually within the city) or on lands “for dacha construction” (in dacha non-profit partnerships - DNP). Secondly, the dacha building must be suitable for permanent residence.

More on the topic Maternity capital for building a house in 2020

Pay special attention to drafting the purchase and sale agreement. This document can be drawn up by a notary, as well as simply by two countries, without certification. At the same time, it is important to remember that in addition to general justifications, the contract must indicate how you pay for a specific land plot.

• the plot must be owned by one of the family members (by inheritance, gift, purchase) or on a long-term lease basis;
• location of the land - within the boundaries of the settlement (city, urban-type settlement);
• a permit is issued for the construction of a residential building;
• availability of nearby communications;
• guarantee of receipt of the commissioning certificate.

• to improve the quality of existing housing (through redevelopment, expansion, replacement of communications, sanitary equipment, windows, doors, floors);
• increasing the mother's part of the funded pension;
• payment for the education of any child (in a higher educational institution, dormitory, private kindergarten);
• to pay the mortgage fee;
• means of technical rehabilitation of a disabled child (wheelchairs, prostheses, orthoses, orthopedic shoes, seating devices, etc.)

2) for the construction, reconstruction of an individual housing construction project or a garden or residential building located on a garden plot of land, carried out by citizens without the involvement of an organization carrying out the construction (reconstruction) of an individual housing construction project or a garden or residential building located on a garden plot of land, in including under a construction contract, by transferring the specified funds to the bank account of the person who received the certificate.

Is it possible to spend maternity capital on repairs and reconstruction of a house or apartment?

An application for receiving funds is considered by the Pension Fund within one month from the date of receipt of documents. If the payment is approved, the funds are transferred to the certificate owner's account in several payments. The first family will receive at the beginning of the reconstruction process (50% of the requested amount). The second is transferred no earlier than after 6 months, subject to the provision of a certificate of completion of the main work to the Pension Fund.

• The building must belong to the family as private property.
• The child whose birth gave the right to receive a certificate is three years old (with the exception of the use of credit funds).
• There is less than 18 square meters of living space per family member.
• The work is carried out by the home owners themselves, without the involvement of a construction team.
• The building must be suitable for habitation.
• The house was built legally, without violations of current legislation.

How to build or reconstruct a house using maternity capital

Ownership of a constructed residential building must be established later than January 1, 2007. The moment of emergence of ownership of a residential property is not considered if funds are received to reimburse costs incurred during its reconstruction, and the reconstruction work must be carried out later than January 1, 2007.

In all regions of Russia, this norm is defined differently, and it is established by local authorities. So in the city of Omsk, for example, it is fifteen square meters, and in the regions from twelve to eighteen square meters. As a result, we see that capital funds can be used for housing reconstruction only if the housing area is increased.

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Reconstruction of a private house for maternity capital

Reconstruction is possible. Many people are stopped by the fact that they do not see the difference between repair and reconstruction. Technical difficulties aside, it is important to remember that during reconstruction the usable area will increase, but during repair it will remain the same.

Documents can also be submitted for the reconstruction of a house share using maternity capital. If there are co-owners who are not family members, they must provide notarized consent.

10 Jun 2020 lawurist7 304

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Buying a house with maternity capital: what documents are needed

• passport of the certificate holder;
• the maternal certificate itself;
• marriage/divorce certificate (if available, if the spouse is involved in the transaction);
• contract of sale;
• obligation (notarial) to formalize the transaction from all family members (if they are not involved in the transaction, and ownership rights will be transferred to them after the process is formalized);
• agreement with the seller on installment payment (if such is provided).

1. The land plot or house is located on the territory of the Russian Federation. It will not be possible to buy real estate outside the country using a mother’s certificate.
2. You can live in the housing permanently. That is, it has all communications and plumbing. The absence of the latter (as well as sewers) is possible only in areas without central utility networks. In gasified areas, central gasification must be provided. Heating, ventilation and electricity must be in all houses. If the property is located in a developed area, then it is assumed that it will have hot and cold water, as well as sewerage utilities.
3. Housing can be located on any plot of land - for personal subsidiary plots or individual residential construction (no more than 3 floors in height).

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