Family capital you can direct the construction, housing or mortgage payment.Such a choice - one of the most popular among the owners certificates of more than 80% of families have used their maternity capital to improve housing.But at the same questions and the main difficulties arise when trying to buy a house or an apartment on the funds.Therefore we advise you to carefully read this article, in which we have tried to tell you more about how to properly dispose of the certificate.
Maternal capital to improve the housing can be used to:
- construction (acquisition) of residential apartments or individual houses;
- payment of the first installment in a loan for the construction or purchase of houses, apartments, that you plan to buy for maternity capital: a loan (if all conditions) to issue at the same time will not be any work for you;
- payment of interest on a loan or a debt or loan, including a mortgage;
- payment of an entrance fee in the face of the main party of the construction of housing, as well as a variety of housing and housing and savings cooperatives;
- pay equity construction;
- compensation costs for the restoration, the owner of the funds built facility housing the individual building;
- addition, the maternity capital to improve the housing can be directed to pay for renovation or construction of housing with the participation of the individual building construction contractors without them.
main condition: under construction or purchased residential facility should be located only on the territory of Russia.
buy housing on the maternity capital - the documents that are required for a certificate of disposal:
- application for the disposal certificate.You can take it at any branch of the RPF, or simply download from the Internet.
- certificate.Instead, the script can provide a duplicate.
- pension insurance certificate of compulsory insurance of the person - the owner of the certificate.
- Russian passport.
use the maternity capital to improve housing.What additional documents are needed?
- copy of the contract of purchase of a residential facility, last registered in the authorized state bodies in a certain order.
- Copy of state.registration of ownership of the person who received the certificate, and his wife, gets an apartment, a house with the use of family capital.
- As if a house or apartment is not designed as a general property of a person who has received a certificate of his children, wife, or has not been carried out state.registration of rights to a residential facility, testified in a certain order a written commitment to the persons who are the purchasers under the contract for the purchase of the premises with the help of family capital, must obtain residential facility in the common ownership of the preliminary agreement for six months from the moment the maternity capital to improve the property wasIt lists a person who carries out the alienation of houses, flats.In the case of the purchase of a residential facility under a contract for the purchase of a residential facility with payment by installments - for six months after the last installment, the final payment of the cost of the apartment, house in full.
- Help from a person who is involved in the complete alienation of a residential facility in accordance with the contract of sale of the house by installments concluded directly with the person who received the certificate, or his spouse, on the value of the outstanding amount under the contract, but only in the caseif the residential facility is purchased in installments.
