The maternity certificate is used to buy a dwelling on the secondary market or in a house under construction. Documents are submitted to the Pension Fund at the stage of concluding a transaction with the seller.
One of the areas in which you can spend maternity capital funds is the purchase of residential premises. This can be done in two ways: invest in a facility under construction, purchase real estate on the secondary market. But in the second case, there is a peculiarity - the seller will have to wait for the transfer of money from the Pension Fund within two months. At this time, the apartment will be encumbered (it will not be possible to sell it, use it as collateral for a loan).
How can you buy an apartment?
Before making a purchase, you need to know a few strategies:
- Improving living conditions. With the involvement of mat. capital, you can become the owner of a larger real estate area or with an improved layout.
- Repayment of part of the mortgage. The funds can go to pay off part of the debt to the bank if a mortgage was previously issued.
- An initial fee. When planning a loan, family capital can act as a down payment.
You can use your right to purchase real estate with the use of such state assistance three years after the birth of the child for whom the document was issued. An exception is the repayment of a bank loan. The right to attract money, up to kopecks, is possible up to this age. At the same time, the housing being purchased must be located on the territory of Russia, have the status of a dwelling, the area must be enough for the comfortable living of all family members.
Main steps
For the purchase of an apartment with mat. capital, you first need to find housing. If the registration will take place not through a mortgage, then immediately get his consent to await the receipt of funds. When applying for a mortgage, there is no need to wait.
When a buyer is found, all documents are submitted to the Pension Fund. If there is an MFC in the city, then you can immediately submit a full package of documents through it. Then part of the completed papers will go to Rosreestr, and part - to the Pension Fund of the Russian Federation. In addition to the standard sales contract and a receipt for payment of the duty, you will need to provide:
- parents' passports and children's birth certificates;
- SNILS mom;
- maternity capital certificate;
- certificates of absence of debts;
- the seller's current account, to which the money is transferred;
- documents for the apartment (technical passport, extract from the Unified State Register of Legal Entities).
Please note: when buying with the use of materkapital, the property must be divided among all family members. If you plan to do this within 6 months after the purchase, then you need a commitment certified by a notary. The easiest way is to select all shares at once. In this case, the state. the duty is paid immediately for each adult and child.
The pension fund does not make a decision immediately, on a first come, first served basis. When checking the submitted documents, various situations may arise. For example, you will need to bring additional documents.
Some aspects
Since the interests of children are put in the first place, employees of the Pension Fund can go to the site to check the condition of housing. If something does not suit them, the transfer of funds will be refused.
If the money is used to pay off the mortgage, then it cannot go for the payment of forfeits and bank fines. The contract must clearly indicate the purpose of the loan (for the purchase of housing or improvement of housing conditions). If otherwise stated, then you will not be able to use the certificate.
Part of the payment from the buyer's personal funds is immediately transferred to the seller at the time of signing the contract against receipt. This can be done in any convenient way (on a card, in cash or through a safe deposit box). When the Pension Fund of the Russian Federation transfers the funds, it will be necessary, together with the previous owner, to contact the Rosreestr or the MFC to remove the encumbrance. After that, you become the full owner of the apartment.
In conclusion, we note: you can spend maternity capital not only on an apartment, but also on a residential building (with electricity and engineering systems, and communications), on a room. The latter should be an isolated living space, separate from the rest of the apartment or house.
