Many people know that in our country the state provides measures to support families where the second child has appeared. One of these measures is a certificate for maternity capital, which can be spent on the purchase of housing, the education of children or the funded part of the mother's labor pension.
Instructions
Step 1
But not many people know that a generic certificate can be cashed. Naturally, the maternity capital funds will not be handed over to you just like that. You can get money with some effort. If you have a little savings, then you can buy an inexpensive apartment. But at the same time, it should be larger in area than the one in which you and your children are registered. You pay part of the funds for it in cash, part - with a certificate for maternity capital. After a while, the apartment can be sold, and then the money for it will remain in your hands.
Step 2
The second option for cashing the certificate is suitable for those who can take out a mortgage. To do this, you just need to complete a deal and pay off part of the debt with maternity capital funds. Then you will need the bank's consent to sell the mortgaged apartment. If you have such consent, you need to find a buyer and sell him the house. Part of the funds will go to pay off the balance of the loan, the rest will be in your hands. However, with this method, difficulties may arise associated with finding a seller for the pledged property.
Step 3
If you are building a house and need cash, then you can solve the problem with a maternity certificate. To do this, you will have to obtain a building permit, buy a land plot and start building on it. As soon as the foundation is erected, you can register the unfinished construction, for which the bank gives a loan. Then you extinguish it with the help of maternity capital, and the cash remains at your disposal. But at the same time, you will have to bear the costs associated with paying interest to the bank while the Pension Fund transfers money to the account.
Step 4
If you have one or two girlfriends who, just like you, have a certificate for maternity capital, you can try to purchase housing in common shared ownership. Then the apartment is sold, and the money is divided between the parties to the transaction. However, it should be noted that this scheme is not completely transparent. If any misunderstandings arise, law enforcement agencies will be able to prove the fictitiousness of this transaction.
