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

Government support as a maternalcapital provides an opportunity for families to improve their living conditions, to buy real estate on credit (mortgage), to pay for the education of children and not only. You can dispose of the allocated funds after the child reaches the age of three. Before this period, it is possible to use the family certificate ahead of time for making the first installment of a loan / mortgage for residential real estate or for repaying the remaining debt on an existing loan, which was also issued for the purchase of real estate. Buying a home under the maternity capital is convenient, and often the only option for families to purchase or improve their living conditions. In many respects for this, such a program of state support was extended until 2018.

Buying a house under the maternity capital: conditions

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

1. The house must be adapted to live inany time of the year: there must be appropriate documents confirming this. “Country” options are not suitable - for the acquisition of such a building it is impossible to attract state support funds.
2. The land on which the house is locatedshould be categorized 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 can notacquire land for the further construction of a residential house. Since an empty plot is not suitable for life, it is impossible to regard its purchase as an improvement in living conditions.
4. In order for the purchase of a dwelling house under the maternity capital to be possible, it is necessary to have a contract of sale with the current owner.
5. Purchased housing should be divided into sharesbetween all family members. In order to fix our willingness to divide real estate, one should notarize this obligation and submit it, along with other documents, to the pension fund at the place of residence.

Where to go to take advantage of the maternal capital?

Redirection of state support fundsoccurs through the separation of the pension fund. There you should contact taking with you the list of documents below. Please note that depending on each situation, this list may be changed. Details should be clarified directly in the representation of the FIU at the place of residence.

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

In order for the pension fund to cover part of the cost of housing, you must provide a number of mandatory papers. The family will have to collect the following documents for the purchase of a house under the maternity capital:

1. The application of the established sample (you can fill in the application in advance by downloading the form on the official website of the department or in the office of the FIU).
2. Identity document of a family member who submits an application and copies of this document.
3. SNILS.
4. Certificate for state support.
5. Birth certificates of all children and their copies.
6. A copy of the contract for the purchase of residential real estate.
7. A copy of the document confirming the fact of ownership of purchased residential real estate.
8. Help with information about the amount that still needs to be paid under the contract of sale.
9. A notarized document confirming that the planned registration of real estate in common share property.

With this set of documents you should visit the representation of the pension fund at the place of residence. The term of consideration of such an application will not exceed 30 days.

Buying a house on credit with state funds

If it is not possible to use onlyYou can use your services from a bank or credit institution and apply for a loan. At the same time, it is important that at the same time it is impossible to get a loan from the bank and state support funds for the certificate.

At the moment, a family certificate can be used as a down payment on a loan or as an amount to pay off a debt on an existing loan.

When can I use the certificate to buy a house?

Не нужно дожидаться трехлетнего возраста ребенка - for such a case is available early use of state-allocated funds. It is theoretically possible to use the maternity capital as a down payment on a home loan, 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 organizations that are ready to accept the certificate as a first payment. Even if it is possible to find such a financial organization, and to issue a loan to buy a house under the maternity capital, then, most likely, the interest on the loan will be slightly higher than when making the initial payment by own means. A much more successful option is to use your own savings to pay the first installment and to direct the funds of the maternity capital to reduce the amount of debt on the issued loan.

Loan under the maternity capital for the purchase of a house: instructions for registration

In this case, the scheme looks somewhat simpler:

• you must contact the bank or credit organization and arrange a loan there using your own funds to pay the first installment;
• purchase residential real estate, having received a document certifying the ownership of residential real estate;
• contact the representative office of the Pension Fund of the Russian Federationresidence for the purpose of writing a petition to send funds to repay part of the loan, which was used to buy a house under the maternity capital;
• after receiving a positive decision after considering this application and obtaining the necessary information, you should contact the bank to clarify further actions.

Closing stage

When contacting the pension fund after writingapplications should take with you all the same documents that were listed in the section "Documents for the purchase of a house with the involvement of state funds. support "and an agreement with the bank. You should also get an extract from the credit institution indicating the presence of the debt and its amount. After all the documents have been submitted to the representation of the pension fund of the Russian Federation, it is necessary to wait for its decision, as in the first case, the consideration period does not exceed 30 days.

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