Buying a house for maternity capital: documents, conditions. Loan for the purchase of a house for maternity capital

State support as a maternity capital provides an opportunity for families to improve housing conditions, purchase real estate on credit (in mortgages), pay for the education of children and not only. Dispose of allocated funds can be after the child reaches three years of age. Before the beginning of this period, it is possible to early use the family certificate for making the first installment of the loan / mortgage for residential real estate or for repayment of the remaining debt under an existing loan, which was also issued for the purchase of real estate. Buying a house for maternity capital is a convenient and often the only option for families to purchase or improve their housing conditions. In many ways, this program of state support was extended until 2018.

Buying a home for maternity capital: conditions

You can send money for a family certificate to purchase real estate. In 2016, this amount is more than 450 thousand rubles. As with any other event, buying a house for maternity capital has its own characteristics and nuances, which will be discussed further.

1. The house must be adapted for living at any time of the year: there must be relevant documents confirming it. "Dacha" options are not suitable - to purchase such a building it is impossible to attract government support.
2. The land plot on which the house is located should be classified as "Land for individual construction". Otherwise, in obtaining support from the state in the acquisition of such a house will be denied.
3. At the expense of state support, one can not purchase a land plot for the further construction of an apartment house. Since the empty lot is not suitable for living, it is impossible to regard its purchase as an improvement in living conditions
4. In order for the purchase of a residential house for maternity capital was possible, it is necessary to have a contract of sale with the current owner.
5. Purchased housing should be divided into shares between all members of the family. In order to fix their readiness for the division of real estate, one should notarize this obligation and provide it together with other documents to the pension fund at the place of residence.

Where can I go to use maternity capital?

Redirection of state support is through the separation of the pension fund. You should go there, taking with you the list of documents, which is given below. We draw your attention to the fact that, depending on each situation, this list can be changed. Details should be specified directly in the representation of the FIU at the place of residence.

Documents for the acquisition of a house using the means of maternity capital

To ensure that the pension fund covers part of the cost of housing, it is necessary to provide a number of mandatory securities. The family will have to collect the following documents for the purchase of a house for maternity capital:

1. An application of a standard form (you can fill out the application in advance by downloading the form on the official website of the department or in the FIU office).
2. A document certifying the identity of the family representative who submits the application and copies of this document.
3. SnilS.
4. Certificate of state support.
5. Certificates of birth of all children and their copies.
6. Copy of the contract for the purchase of residential property.
7. A copy of the document confirming the fact of ownership of the purchased residential real estate.
8. A reference with information about the amount that still needs to be paid under the contract of sale.
9. A notarially certified document confirming that it is planned to register real estate in the common share ownership.

With this set of documents, you should visit the representative office of the pension fund at your place of residence. The period for considering such a petition will not exceed 30 days.

Buying a home on credit with the help of state support

In the event that it is not possible to use only its own means to purchase a dwelling house, you can use the services of banking or credit organizations and arrange a loan. At the same time, it is important that at the same time you can not get a loan from a bank and state support funds for a certificate. At the moment, the family certificate when applying for a loan can be used as a first installment of a loan or as an amount for repaying a debt on an already existing loan.

When can I use a certificate to buy a house?

It is not necessary to wait for the child's three-year age - for this case early use of the funds allocated by the state is available. To use maternity capital as an initial installment on a home loan is theoretically possible, but in practice it is quite difficult to do this. The main difficulty lies in the fact that there are very few credit and banking institutions that are willing to accept as a first payment a certificate. Even if you can find such a financial institution and apply for a loan to buy a house for maternity capital, then most likely the interest on the loan will be slightly higher than when making the initial payment by own funds. A much more successful option is to use your own savings to pay the first installment and send the funds of the parent capital to reduce the amount of debt on the loan.

Loan for maternity capital for the purchase of a house: an instruction for registration

In this case, the scheme looks somewhat simpler:

• It is necessary to apply to a bank or a credit institution and arrange a loan there using own funds to pay the first installment;
• To purchase residential property, having received a document certifying the ownership of residential real estate;
• Apply to the Russian Federation representative office at the place of residence with the purpose of writing an application for sending funds to repay part of the loan, at the expense of which the house was bought for maternity capital;
• Having received a positive decision after considering this application and obtaining the necessary information, you should contact the bank to clarify the further actions.

Concluding stage

When applying to the pension fund after writing the application, you should bring with you all the same documents that were listed in the section "Documents for the acquisition of a house with the use of state funds. Support "and an agreement with the bank. Also, you should get an extract from the credit organization that indicates the existence of the debt and its amount. After all documents have been submitted to the RF Pension Fund, it is necessary to await its decision, as in the first case, the review period does not exceed 30 days.

Buying a house for maternity capital will take a lot of time, but using this form of state support, you can pay off part of the debt on housing loans.