If you already have a certificate for maternity (family capital), and you decide to buy an apartment in a house under construction, then the funds received under the certificate can be significant for someone, but insignificantly for someone, but still ease your financial expenses.
Of course, the first thing to be puzzled is to be patient. Because the path to the final goal is not too short.
It is cheaper and more profitable to buy apartments in a building under construction under a shared construction agreement. As a rule, the price for precious square meters is slightly lower than when buying the same apartment, but in a newly built house. Therefore, first you need to choose an option that suits you and contact a construction company to book an apartment for yourself.
Until the child reaches the age of three, maternity capital can only be cashed out to pay for loan funds and interest on a loan. This means that if you do not want to wait three years, then you need to get a mortgage loan. Each bank has its own requirements for documentation for a loan, different interest rates, the presence of co-borrowers. Contact several different banks for a loan calculation. The amount of maternity capital in 2014 for those who have not yet used it is 429 thousand 408 rubles 50 kopecks. Some banks provide loans specifically against maternity (family) capital. In this case, you will only pay interest on the loan, without paying the principal. We have chosen this option. The interest rate was 15.5%. Of the documents for applying for a loan, the following are mainly required: a passport and its photocopy, a copy of a work book certified by the employer, a salary certificate from the place of work for the last 6 months in the form 2-NDFL, TIN, a certificate for maternity capital, birth certificates of children, preliminary an agreement for participation in shared construction, a certificate from the pension fund about the balance of maternity capital. The certificate in the pension fund is prepared within three days. They also asked to pay for a certificate of credit history (140 rubles). After completing the application and checking by the security service, the bank lets you rest and promises to call you back as soon as the application is approved. Within a week you will be informed about the decision and invited to conclude a loan. After applying for a loan, you will need to open a bank account (500 rubles), to which you will transfer interest payments and to which your 429 thousand 408 rubles 50 kopecks will come.
After receiving the loan agreement, the shared construction agreement is submitted for registration to the registration chamber (Rosreestr). To submit documents to the regional chamber, you will need documents proving the identity of the applicants, the contract itself in triplicate, a receipt for payment of the state duty and its copy (1000 rubles, divided among all participants), a document describing the object (floor plan), if the spouse does not participate in the contract, in accordance with the Family Code of the Russian Federation, these documents must be supplemented with a notarized consent of the spouse to conduct the transaction (original and copy). The contract is registered within 5-10 days.
With a registered agreement for participation in shared construction, it will be necessary to go to the bank and order a certificate from the lender on the amount of the balance of the principal debt and the balance of the debt on the payment of interest for the use of the loan. And you can prepare the documents necessary to apply for the disposal of maternity capital funds to pay off the principal debt and pay interest on loans for the purchase or construction of housing.
Here's what you need:
1. Certificate (original and copy)
2. Passport of the person who received the certificate (original and copy)
3. Loan agreement, payment schedule (original and copy)
4. Bank certificate (original)
5. Contract for participation in shared construction (original and copy)
6. Documents proving the identity of all family members (original and copies)
7. Marriage certificate (original and copy)
8. The obligation to register the acquired premises in the ownership of all family members. Must be notarized (issue price 1000 rubles). To formalize the obligation, it will be necessary to take an extract from the registration chamber on the ownership of the land plot. Therefore, before you stand in line to the notary, call and specify exactly what this statement is called. (the issue price is within 200 rubles).
When all the necessary documents are collected, you can go in line to the pension fund. If you don't want to stand in line, there is an electronic record on the website of the pension fund; in addition, you can sign up by calling the office of the pension fund or by coming in person.
The decision on the payment of funds on the application is made within a month, within one more month the money will come to your account. Good luck!
