Own apartment now - it's almost unattainable goal for many young families, but the parent capital, which is paid by the state for a second or subsequent child born in the family, can be a good help in this matter.
Maternal capital for the purchase of the apartment is used only under certain conditions prescribed by law.First and foremost is the fact that the certificate issued shall enter into force only after the child reaches the age of three.The measure in this case - many forced and understandable.The fact is that when a child is adopted parents also relies payment of this, and in fact some unscrupulous citizens can take advantage of the situation and to improve its financial situation due to either an innocent child.Maternal capital for the purchase of apartments can be used until the child is not yet three years old, only in certain cases.Let's take a closer look at the issue.
use the resulting certificate can be almost immediately after birth in the case of:
- payment of the initial (main) contribution or mortgage lending;
- payment of interest and principal on loans for housing or mortgage, already existing at the time of birth.
Of course, no one ever cash you will not give the funds.Maternal capital used to purchase an apartment will be transferred for debt repayment at the request of parents by means of transfer.And if the principal amount will not exceed the amount of capital, the remaining funds can be used only after the moment when the child turns three years.
Maternal capital (to the apartment, or rather, to buy an apartment, which is willing to spend) can be obtained in the following ways:
- if you already have a certain amount of cash and a little lacking, is writing a statementand leaving the bodies of the RF Pension Fund the necessary documents, you can get the required amount of cash for the purchase of an apartment for the money;
- get a mortgage, and to pay an initial fee using the received certificate;
- maternity capital to buy an apartment can be used in the case of a joint construction, in this case, by making the whole amount or part of it as an entrance fee;
- equity participation is not excluded, so you can use the certificate in the case described.
maternity capital to buy a house used, also provides for certain conditions, compliance with which is spelled out by law.As the improvement of social conditions of the family the certificate can be used to pay for the purchase of a country house or a house in the village, but it is important that the house was recognized as living, that is assumed that there is not a summer building or garden house, and this, in which you can live permanently.Another condition: the right to property should be divided between all the members of the family, if not in equal proportion, but each.
Recall that in 2013 the amount of maternity capital amounted to 408,960 rubles, and by early 2014 it had reached about 430 thousand rubles.The following year, the legislation can be amended at the point of use of the certificate.So, it plans to authorize the use of it on treatment of the child, education of parents, as well as plans to expand the list of items for which the certificate is used to purchase housing.
