The "Architect" is quite often contacted with the question of the possibility of paying for the house with maternity capital. We accept maternity capital Frame houses at the expense of maternity capital

Maternal(family) capital is a form of state support for Russian families with children to raise. This support is provided from January 1, 2007 at the birth or adoption of a second, third or subsequent child.

The program is currently extended until December 31, 2018 Maternity capital can be spent:

• On education
• For the funded part of the pension
• On the improvement of living conditions

Maternity capital for the construction of your own home can only be used after 3 years from the date of birth of the child. But there is one exception.

How to get the rights to "Maternity Capital"?

This requires the following conditions:

• birth or adoption of the second and subsequent children.
• birth or adoption of a child not earlier than the beginning of 2007 and not later than the end of December 2018.
• the mother or adoptive parent and the born or adopted child must be citizens of the Russian Federation.

How to build a house from a bar for maternity capital?

• 1. wait three years. Wait for the child to reach the age of three and send a maternity capital certificate for the construction of a wooden log or frame house.
• 2. You can not wait three years and take a loan. Do not wait for the child to reach this age, but take a loan or mortgage for the construction of your own, and at the end of the construction, pay off the debt to the bank with the capital.
• 3. Build on your own and get reimbursed.. Build a house on your site with your own funds, then write an application, attach all payment documents and receive a refund.

Construction of a turnkey house on maternal capital. Instruction

Step #1 Buying a plot. It begins with the acquisition of a land plot and the entry into property rights. You can also buy ownership, inherit or rent.

Maternity capital can only be used to build a house, and not to purchase land. Buying land is not home improvement.

Important: Maternity capital funds are allocated only for the construction of a residential building (IZHS).

The legal status of the land plot must be intended for individual housing construction (IZHS)

Step 2 Signing the contract. Choose a project for the future home, determine the cost, technology (,) and equipment. After all approvals, sign the contract.

Step 3 Submission of documents to the FIU.

List of documents:

• Building permit;
• Contract for the construction of a house;
• A copy of the document on the right to the land plot;
• Certificate for maternity capital or its duplicate;
• Insurance certificate of compulsory pension insurance of the person who received the certificate;
• Identification documents, place of residence (stay) of the person who received the certificate;

The obligation to register the house in the ownership of all family members upon completion of construction.

Step No. 4 Making a decision by the FIU. According to the law, the pension fund has 30 calendar days to decide on the satisfaction (or refusal) of the application for disposal of funds

Step 5 Transfer of funds. After a positive decision, the funds are transferred to the account of the contractor.

Step #6 Building a house. After the money is credited to the contractor's account, the construction of the house begins directly.

Step number 7 Happy new settlers. Upon completion of construction, an act of acceptance of the house is signed, keys are handed over and guests are invited for a housewarming party

What to do if there is not enough maternity capital?

• 1. If the cost of construction under the contract is more than the maternity capital, then the customer makes an advance payment (not to be confused with an advance payment) in the amount between the amount under the contract and the maternity capital.

For example: let's say you ordered a house according to the D21 project (profiled 100x150mm) and the price is 638,000 rubles.

It turns out that 638.000-453.026 = 184.974 rubles, this is the amount that you pay before the construction of the house begins, but only when the builders have already arrived at the site and brought in the material.

• 2. Another option, if the maternity capital does not cover the entire cost of construction, is to purchase, and over time, do the finishing on your own, so you can save and meet the required amount.

Choose now the project of your future own home

Good news for those who planned to build a house on maternity capital. According to the Decree of the Government of Russia, the terms for the payment of these funds have been reduced. You can manage the money after 40 working days from the date of application. Recall that earlier this procedure took two months (60 days), which were required for the transfer of funds. Now the application process takes 30 days, and funds are transferred within 10 business days.

This ordinance entered into force on March 15, 2017. The state allows the use of maternity capital to improve housing conditions, provide a mother's pension and pay for the education of children. Consider the first option for using funds, namely, building a house with maternity capital.

Note that the funds provided under the state program are often used for precisely these purposes: improving housing conditions. The issue of housing remains relevant both for residents of large metropolitan areas, and for residents of the suburbs or outback. Thanks to this money, you can build a house in addition to an existing city apartment, build a summer cottage or a capital private house for permanent residence of the whole family.

Conditions for receiving funds under the Maternity Capital program:

• Birth or adoption of a second or next child.
• Birth or adoption of a child after 2007.
• The child and mother are citizens of the Russian Federation.

An important condition: the right to receive maternity capital at the birth of the third and subsequent children remains with the parents only if this right was not previously exercised.

The amount of funds paid out at the beginning of 2018 is 453,026 rubles. In 2018, it is impossible to cash out capital for construction. To receive payment, you must issue a certificate.

Rules for obtaining a certificate.

Certificates are issued by the Pension Fund of the Russian Federation. For registration, you must submit the following documents:

• Passport of a citizen of the Russian Federation.
• Child's birth certificate.
• A document confirming the citizenship of the child.

Construction of a house on maternity capital.

We remind you that the use of funds issued under the state program is possible only three years after the birth of the child. However, there is one important exception to this rule: money can be used earlier if it is used to pay off a home loan.

Therefore, in order to immediately direct the payment for construction, you first need to apply for a loan. On the basis of a loan agreement, it is necessary to demand reimbursement of costs at the expense of maternity capital. It should be remembered that the house in this case must be built no earlier than January 1, 2007.

The phased process of building a house on maternity capital:

1. The first step is the acquisition or lease of land, as well as the purchase of ownership. Remember that capital reimburses the cost of construction, not the acquisition of land.
2. Then it is necessary to decide how the project will be implemented: whether a contractor will be involved or the house will be built on its own. Regardless of the option chosen, funds from maternity capital can be spent on construction.
3. The next step is to provide the Pension Fund with a package of documents, which includes:

• Copy of building permit.
• A copy of the document on the ownership of the land.
• An obligation confirming the right of ownership of the constructed object by all family members.
• A copy of the contract construction agreement (if a third-party organization is involved).

1. The Pension Fund considers the appeal within a month, after which it makes an appropriate decision.
2. Based on the decision of the PFR, the funds are transferred to the recipient. They can be transferred to a personal account or the account of a contractor.
3. Direct construction of the cottage.

Often, clients are faced with a problem when the amount of maternity capital is less than the construction estimate. In this case, you will either have to reduce the estimate, or compensate for the missing amount with your own funds. You can also order from the contractor the construction of a house from a bar for shrinkage or without finishing. It's fast and inexpensive. And after a year and a half, having saved the necessary amount, carry out further work on their own.

And one little trick that we saved for last. If you do not want to wait three years to use maternity capital for construction, start implementing the project right now. Yes, this will require personal funds. But if you keep all receipts and payment documents, you can apply for compensation when the baby turns three years old. And in this case, the Pension Fund of Russia will compensate your expenses within the framework of the amount provided for by the state program.

The "Architect" is quite often contacted with the question of the possibility of paying for the house with maternity capital. In this regard, the legal service of the "Architect" considers it appropriate to give the following explanations: Maternity capital (in part or in full) can be directed, among other things, to the construction of residential premises. (According to Federal Law No. 256-FZ of December 29, 2006 (as amended by Federal Law No. 440-FZ of December 29, 2010) “On Additional Measures of State Support for Families with Children”). With this method of disposing of funds, it is necessary to submit to the Pension Fund of the Russian Federation (a territorial body of the Pension Fund of the Russian Federation) a corresponding application (drawn up in the territorial body of the PFR) and attach documents to it, in accordance with Decree of the Government of the Russian Federation of December 12, 2007 N 862 (as amended by 04/30/2014) “On the Rules for the allocation of funds (part of the funds) of maternity (family) capital to improve housing conditions” (information can be clarified in the territorial body of the PFR). If the application is satisfied, the transfer of funds (part of the funds) of maternity capital is carried out by the Pension Fund of the Russian Federation no later than 2 months from the date of acceptance of the application. After paying the remaining amount of the total price of the contract, the "Architect" proceeds to start work. It is possible to realize maternity capital funds during the construction of wooden buildings presented in the “Cottages” category, since a country house implies seasonal use and is not considered as a dwelling for year-round use, which contradicts the conditions for the sale of maternity capital funds. Thus, the algorithm of actions is approximately the following: 1. Choosing a house and filling out an application on the "Architect" site. 2. Conclusion of a work contract and an additional agreement to it on raising funds from maternity capital. 2a. If own funds are not enough, it is possible to attract a loan (information about partner banks on the website of "Architect"). In this case, instead of an agreement on raising maternity capital, an agreement is concluded on raising borrowed funds. 3. Submission of documents to the territorial body of the PFR. (loan agreement and in the application for the sale of maternity capital funds, the account of the creditor bank). 4. Payment of the contract price in full. 4a. In the case of a loan, this is done by the lender bank, after paying the down payment (information about the terms of lending on the website of the "Architect" in the section financial partners or on the bank's website). 5. Meeting of the construction team and the start of construction. Residents of the Moscow Region are provided with regional maternity capital in the amount of 100,000.00 rubles in addition to the federal maternity capital of the region (according to the Law of the Moscow Region “On measures of social support for families and children in the Moscow Region” No. 1/2006-OZ as amended by Law of the Moscow Region No. 53 /2011-OZ dated April 14, 2011). In order to implement it, it is necessary to apply with the same package of documents to the territorial body of social protection. We examined the specific issue of the very possibility of realizing maternity capital funds during construction. The law also allows other ways of implementation, which will be discussed in a separate article. After the construction is completed, it is necessary to register the ownership of the constructed house, we will talk about this in the next article.

From filing an application for the disposal of maternity (family) capital to payment - 1 month and 10 working days.

In accordance with the Decree of the Government of the Russian Federation, the terms for the payment of maternity capital funds have been reduced.

If earlier the law set aside a month for consideration of an application for the disposal of maternity capital funds and another month for the transfer of funds, now the period for transferring funds has been reduced from a month to ten working days.

Thus, the receipt of maternity capital funds will no longer exceed a month and ten working days from the date of filing an application for disposal of maternity (family) capital funds.

Decree of the Government of the Russian Federation of March 3, 2017 No. 253 "On Amendments to Certain Acts of the Government of the Russian Federation" enters into force on March 15, 2017.

A program such as "Maternity Capital" provides for three options where money can be directed: a mother's pension, children's education, and improvement of living conditions. You can use maternity capital to build a country house.

As a rule, not only residents of small settlements prefer to use these funds to build a house, many families from megacities build country houses for permanent residence or country houses in addition to their existing apartments. Such assistance from the state is simply indispensable for those families who are going to build their own housing.

How to get the rights to "Maternity Capital"?

For this, three conditions must be met:

• birth or adoption of the second and subsequent children.
• birth or adoption of a child not earlier than the beginning of 2007.
• the mother or adoptive parent and the born or adopted child must have the citizenship of the Russian Federation.

It is important to consider that at the birth of the third and subsequent children, the right to "Maternity Capital" remains, if it was not previously exercised. Today, maternity capital is 453,026 rubles. Before thinking about building a house, you need to get a certificate.

Obtaining a certificate

To do this, you need to submit the appropriate list of documents to the PFR department. You must provide:

• an identity document, including a passport,
• birth certificate,
• a document that confirms the citizenship of the child.

How to build a house on maternity capital?

Maternity capital for building a house, as well as for other purposes, can be used only after 3 years from the date the baby was born. There is only one exception.

You can not wait three years if the funds are used to pay off a mortgage or a loan that was spent on buying a home.

It turns out that you will need to take out a loan to build a house, and then go for maternity capital. You can also build a house with your own money, after which you will need to write an application. which will allow reimbursement for reimbursement of costs at the expense of maternity capital. The house must be built no earlier than January 2007.

How use maternity capital for building a house?

Step #1

It is necessary to purchase a land plot, as an option: to rent. Buy ownership. This is necessary because capital is given only for building, and not for acquiring land.

Step #2

Decide how the construction will take place under maternity capital: with the help of a contractor or on your own. These two options allow you to spend maternity capital on construction.

Step #3

• building permit (copy),
• document on the right to land (copy),
• a commitment that all family members will own the erected property after construction is completed.

All these documents are necessary both for self-construction and for hiring workers. In the latter case, you need to provide a construction contract (copy).

Step #4

After submitting the application, the Pension Fund must make a decision no later than one month.

Step #5

Then there is a transfer of funds for the construction of the house. This can be done in two ways:

• transfer to the account of the contractor,
• transfer to your personal account.

Step #6

It's time to start building your house!

If the cost of the house exceeds the amount of maternity capital, then the customer pays the difference at his own expense. For the Pension Fund, it is not obligatory to order the construction of a house from a turnkey timber or a frame house, you can order the construction of a house from a timber for shrinkage (without finishing) is not expensive, it will be much cheaper. And do the finishing in a year on your own or entrust the contractor.

Maybe you don't plan to wait until your child is three years old. You still have a chance to use capital. You can build a house at your own expense, keeping all payment documents. Well, when the baby is three years old, you should contact the Pension Fund for compensation for your expenses.

Order the construction of a house for maternity capital in Terem Stroy Company!