Maternity capital for building a house: procedure and conditions for using funds from maternity capital

Living in your own home with children is the dream of many citizens of our country. As a rule, one’s own funds are not enough to implement it. To help families raising children, the state provides various subsidies and benefits, one of which is maternity capital. You can also use it to buy or build a house.

Maternity capital for building a house

Maternal capital

Married couples with 2 or more children can apply for government funds in the form of MSK. But not only full families can take advantage of budget money. They are also provided to those who are raising children alone. This could be either a single mother or a single father. Parents in families who have only their own children are also offered to receive MSC funds. Payments are also made taking into account adopted children.

It is considered important in providing MSC that the family meets the following conditions:

• presence of Russian citizenship in children and at least one of the parents;
• The 2nd or subsequent baby should be born between 2007 and 2021;
• There are at least 2 minor children in the family.

State certificate for maternity capital

You can find out more detailed information on how to obtain maternity capital from our new article.

It is impossible to receive MSC in cash. Government funds must be used to achieve one of 5 goals:

• assistance in improving living conditions. You are allowed to spend MSC money on buying a room, apartment or even a house. You can pay not only for finished housing, but also contribute money for its construction, reconstruction or expansion of living space. The norm for 1 person should be at least 18 m². Budget funds are provided for purchase and construction after the child turns 3 years old. Until this age, you can improve your living conditions with the help of MSK only with the help of a loan or as a result of receiving a targeted loan;
• assistance in paying for education. Since many children's and educational institutions are switching to paid services, this point is useful. Contributing funds to support a child in kindergarten or paying for professional or higher education is effective help for a young family;

  

  Options for using state aid for children's education

• increase in mother's pension contributions. Any woman who has an MSK certificate can direct budget funds to the funded part of PFR payments. This can only be done after 3 years. Moreover, at any time before the start of receiving a pension, it is possible to withdraw MSC from this direction and spend it on another purpose;
• assistance in purchasing items and services for the adaptation of disabled children. The opportunity to use maternal capital in this area is available from the moment you receive the certificate. In this case, you first need to purchase the necessary equipment or receive the necessary service and only then submit an application for reimbursement of your own funds already spent. A payment document indicating the purchase price is required;

  

  The use of maternity capital as payment for services and goods for the adaptation of disabled children

• monthly contributions in the amount of the minimum wage per child. This direction is a real way to help a family immediately after the birth of a second or subsequent child. It is natural that a mother cannot work after giving birth; she is forced to look after the baby. If a family has an income of less than 1.5 minimum wages corresponding to the region of its residence, then it should submit an application for the allocation of funds from the maternal account. Money will be transferred monthly to the mother’s card throughout the year. For the remaining six months, you will need to reapply.

Video - What can you spend maternity capital on in 2019?

Maternity capital for building a house: procedure and features of use in 2021

Maternity capital for the construction of a house is an area available for sale only if the family has a plot of land that meets the stated purposes of use.

Options for using subsidies

Material support in the form of maternity capital can be implemented exclusively in four areas, pre-agreed by the legislator in the legal framework.

One of these is measures to improve living conditions, which in particular include:

• Carrying out reconstruction;
• Increasing the area of ​​the current object;
• Technical improvement of living space (connections);
• Purchase of finished living space;
• Construction of a private residential property on your own or with the involvement of a contractor in the process.

Families that do not own real estate at all, but want to acquire it, prefer to use subsidies to build a house, since the procedure can become less expensive than purchasing an apartment.

Features of using subsidies for building a house

• As compensation (for expenses incurred during the construction period);
• Purchase of building materials for the construction of the facility;
• Payment for services of a contractor;
• Contribution towards loan repayment (a mandatory condition regarding the intended use of funds - for the construction of a house);

1. All costs for materials and work must be reflected in the estimate documentation, checks and receipts, which must first be familiarized with the Pension Fund of Russia;
2. The facility being built with the assistance of maternity capital must be located on the territory of the Russian Federation;
3. The land plot on which the property is planned to be located must meet a number of requirements:

• Be family owned or otherwise legally owned;
• Intended for a specified type of use (for example, individual housing construction);

1. The package of documents for the Pension Fund must contain papers from the authorized government body reflecting permission to construct the facility;
2. In the case of reconstruction measures or the construction of an extension to an already completed object, the final living area must increase by the minimum standard provided for the residence of one person (the indicator may vary depending on the region; on average - 14 square meters);
3. The newly constructed facility must meet living standards in area, determined based on the total number of family members;
4. After receiving permission from the Pension Fund to use capital, the following procedure for transferring funds is observed:

• For independent construction - two transfers not exceeding 50% of the total subsidy and observing a six-month period between them;
• If a contractor is involved, it will be paid in a lump sum to the company’s bank account.

Required documents

Below is an exhaustive list of documents that may be required when agreeing on the procedure for using maternity capital to build a house:

• Application for disposal of subsidy funds;
• Certificate confirming the right to a subsidy;
• Documents for land plot:
• Certificate confirming the triad of rights;
• Another document indicating the legality of the grounds for using the land (lease agreement, decision of the local self-government body on the transfer of land for indefinite use, etc.);
• Cadastral documentation and boundary plan;
• An act expressing permission for construction (from the local government or administration);
• Passport of the subsidy bearer;
• SNILS;
• Identity documents of other family members (spouse, children);
• Adoption documents (if adopted children are being raised in the family);
• Certificate indicating the existence of an official marriage union;
• Obligation to allocate shares for children;
• Agreement with the contractor entrusted with carrying out construction work;
• Documents confirming the legality of the contractor’s activities:
• License;
• Registration documents;
• An estimate indicating potential costs;
• Checks, receipts confirming the amount of expenses (if the family wants to receive compensation for actual expenses);
• An agreement with the bank to issue a targeted loan for the construction of a house (if borrowed funds were raised);
• An act confirming the suitability of the property for habitation and its commissioning;
• Engineering and technical plan of the structure;
• Acceptance certificate of the object;
• Title documents for the current structure (if we are talking about reconstruction or an extension);
• Certificate of registration of the building and entry into the Unified State Register (after completion of construction activities).

Conditions that the house must meet

The result of construction (a house) built with the help of a subsidy must meet certain conditions regulated by both special regulations devoted to the management of maternal capital, and the town planning code and SNiPs, in particular:

1. The maximum height of the building does not exceed three floors;
2. The housing is suitable for year-round use;
3. The facility was built within the boundaries of a specially designated area (we are talking about flooded and other areas where residence is prohibited);
4. The object is a permanent structure with load-bearing walls and a foundation;
5. Supplying central communications to the facility (gas, water, electricity, heating). The absence of such is allowed if the object is erected in an area (settlement) where engineering systems are not provided;
6. The design and technical parameters of the house do not pose a threat to the persons living in it and are in working order.

On what lands is it possible to build a house using maternity capital?

The order of the Ministry of Economic Development lists several categories of land on which residential buildings can be built, but with some reservations.

Thus, owners of maternity capital do not have the right to use subsidy funds for the construction of a residential building on a summer cottage or in SNT, since these land plots imply the possibility of building only a garden or country house.

In order for the Pension Fund to approve the right to attract subsidies, it is necessary to provide documents for the land plot indicating its belonging to one of the following categories:

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• Moscow and region:
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  ext. 386

Algorithm for using MK to build a house

1. The emergence of the right to provide subsidies;
2. Choosing a method for constructing an object (with the help of a contractor or on your own);
3. Preparation of a package of documents;
4. Obtaining a construction permit from the administration;
5. Conclusion of an agreement with the contractor;
6. Development of an engineering and technical plan for the house;
7. Preparation of estimate documentation;
8. Drawing up an obligation to allocate shares to children;
9. Contacting the territorial branch of the Pension Fund to coordinate the procedure for using funds;
10. Consideration of the application (within 2 months);
11. Making approval;
12. Transfer of the subsidy amount to the contractor’s bank account;
13. Notification of the administration about the start of construction;
14. Completion of construction and signing of the object acceptance certificate;
15. Putting the house into operation;
16. Allocation of shares for children and preparation of title documents for the property;
17. Providing final reporting to the Pension Fund.

Features of the alienation of a house built with maternal capital

The use of this subsidy implies assigning the status of shared ownership to the object. That is, along with parents, their children will also act as full co-owners, since legislative regulations require taking into account the interests of minors when selling maternity capital.

If the family comes to the decision to sell the house built with the funds from the certificate, it is necessary to take into account that prior to completing the transaction it will be necessary to obtain consent from the guardianship and trusteeship authority.

The guardianship and trusteeship body is called upon to prevent claims that could infringe on the property rights of minor pupils.

Since children own part of the agreed house, permission to alienate it can be obtained under the following circumstances:

• Allocate similar shares to children in other residential premises that the parents have;
• Draw up an agreement that implies the mandatory allocation of shares to children in the ownership of another property, which will be purchased with funds from the sale of the current house;
• Provide compensation in favor of each of the children equal to the assessed value of their share of the property.

The above rules apply to families raising minor children. Parents whose children have already reached the age of full legal capacity and who decide to sell a house built with funds from the federal program must provide only a document mediating the general consensus of the co-owners on the upcoming transaction of alienation of the real estate.

Matkapital for the purchase of land to build a house: is it possible?

A special federal law provides a comprehensive explanation of what falls under the category of improving housing conditions, which does not imply the possibility of acquiring a plot of land where a family could build their home. When submitting an application to use a subsidy under this alternative, the Pension Fund will issue a reasoned refusal.

The above circumstances do not include the purchase of a plot on which a ready-made private residential building is located, since we are talking about an inextricable connection between land and real estate.

Law enforcement practice and legislation of the Russian Federation changes quite quickly and the information in the articles may not have time to be updated. The latest and most relevant legal information, taking into account the individual nuances of your problem, can be obtained by calling toll-free 24/7 or by filling out the form below.

Conditions necessary for building a house using MSK funds

According to Federal Law No. 256, Article 10, MSC funds can be used to build a house. In this case, the conditions established by law must be met:

• the house must be built exclusively on the territory of the Russian Federation;
• the land on which the construction will take place must be registered in the name of the owners of the house. It is not at all necessary to become its owner. It is enough to issue a long-term lease for the site;
• it is mandatory to obtain permission from the local government authority;
• the land must belong to individual housing construction or private plots. Since 2021, it has become possible to build residential buildings on the lands of gardening partnerships. The main condition is that the house cannot be a summer building or a barn. It must be suitable for living throughout the year.

Important! The purchase of land using MSC funds is not permitted.

Conditions necessary for building a house using MSK funds

The erected structure is also subject to special requirements, which are set out in Government Decree No. 47 of 01/28/2006. First of all, it must be a living space designed to exist in normal conditions not only in the warm season, but also in the winter.

• the building should not exceed the height of 3 floors;
• according to SNiP 30-02-97, the distance between neighboring buildings is taken into account. So 2 buildings must have a space of at least 12 m between them;
• reinforced concrete material is supposed to be used as the basis for the foundation of the house;
• the house must have all the engineering equipment necessary for normal living. All rooms are required to have lighting. The building must be connected to a water supply and sewerage system. The house requires a ventilation system and heating;
• In a residential building, basic construction characteristics must be observed. For example, the dimensions of door and window openings cannot be less than generally accepted standards. The same applies to the width of the stairs, as well as the height of the steps. The height of the ceilings in living rooms must be at least 2 m 50 cm. The size of the room allocated for the bedroom cannot be less than 8 m², and for the kitchen - less than 6 m².

Conditions for housing construction using funds from maternity capital

Registration procedure

The procedure for obtaining MSC depends on the method chosen to build the house. There are 2 options for constructing a residential structure:

1. Organization of construction on your own.
2. Involvement of a contractor in the work.

For both the first and second methods, before starting construction, it is necessary to obtain documents such as an MSK certificate, paper for a land plot, a work permit, and an obligation to register ownership in equal shares.

Using maternity capital funds to build a house

MSK Certificate

To receive money from a maternity capital account, you must have the appropriate certificate in hand. To complete it, you should contact one of the Pension Fund offices, where an application is drawn up, to which documents of the mother and all children, as well as SNILS, are attached. The issue of providing a certificate in accordance with the law is resolved within 15 days.

Papers on the ground

The next step is choosing the location of the housing. The land should be located near transport interchanges. It is better to have schools, hospitals and shops nearby. It is necessary that all required communications can be brought to the house without difficulty.

To prepare documents for land, you will need to buy the plot, receive it for free use, or take out a long-term lease.

To obtain land documents, you will need to enter into a long-term lease agreement.

Permission

Permission must be obtained from the local municipality before construction begins. The following papers are required:

• statement;
• title documents for land;
• boundary plan;
• cadastral plan;
• construction project.

Before starting construction of a house, you must obtain permission from the local municipality

Document on ownership share

You will need to draw up a document on the mandatory allocation of property in the planned building. It is divided equally among all family members. A similar procedure is carried out no later than six months from the date of completion of construction. This paper is certified by a notary.

Document on ownership share

Application to the Pension Fund

When all the papers have been collected, you can send a request for the provision of MSC funds to the Pension Fund. It is important to take into account that you can count on receiving government funds only when the baby whose birth became the basis for issuing the certificate is 3 years old. Before this time, it is possible to use money from the federal budget in a situation where borrowed money is used for construction. Additionally, the Pension Fund may require SNILS and a marriage document.

The submitted application is reviewed within one month.

Application for disposal of maternity capital funds

You can use the application form for the disposal of maternity capital funds here.

Self-construction

If the house is supposed to be built with one’s own efforts, then if the answer is positive, after another month, the owner of the certificate receives state funds into his account. It is important to remember that they will not be credited all at once, but only 50% of the available MSC amount. To receive the remaining half, you need to collect new documents indicating the intended use of budget money. In addition, a certain period must pass: at least six months.

To confirm the construction work carried out, you should collect all payment documents related to the purchase of materials. Additionally, it is necessary to draw up an act on the completion of part of the work. The last document must be endorsed by a representative of the local government authority.

Loan for maternity capital for construction

Attracting contractors

When a house is built by a contracting team, MSC funds are sent directly to the contractor’s account. And the entire amount is in full. In this case, the Pension Fund will require, in addition to the previously listed documents, an agreement concluded with the contractor.

Important! The contractor must have a state license to carry out construction work.

There are certain requirements for the content of the contract. In addition to entering into the text of the document the main details of the parties to the transaction (customer and contractor), the cost of the work and the deadline for its completion must be indicated. The contract specifies the rights and obligations of the parties. An important section is determining the order in which the finished object is received. The document includes such a mandatory clause as the payment of the MSK amount as partial or full payment.

The contractor must have a state license to carry out construction work

All technical documentation and construction estimates are attached to the contract.

In addition to the fact that MSC funds are provided immediately in full when attracting builders, there are other advantages of this method of building a house:

1. The work time is significantly reduced, since a whole team of specialists takes part in the construction.
2. A house built by professionals is more durable and looks aesthetically better.

Combined method

It is possible to use a combined option, which involves carrying out the main work (laying the foundation, erecting walls, laying out communications) by builders, and the finishing of the premises and facade is carried out by the owners themselves.

Combined method of building a house with a contractor

Registration period

You can apply for MSC funds both at the start of construction and upon its completion. In this case, even if the house was built only with your own efforts without the involvement of third parties, you can immediately receive the entire amount that is in the maternity capital account.

Table with interest rates for mortgages using maternity capital:

How to use

The use of funds depends on the construction option you choose. In any case, when constructing a building on your own, the money is not given in full at once. Initially, you can count on half the capital. You will be able to receive the remaining part only six months after submitting your first application. And according to the established rules, the family has the right to receive the first half of the maternity capital both before the start of construction and after the work is completed in the form of compensation. If the applicant took out a loan for construction, then he also has the right to compensate his costs subsequently from maternal capital funds.

In the situation where a construction company participates, the owner of the certificate does not personally receive funds from the capital. The Pension Fund transfers money to the account of the contractor according to the provided agreement and details. If the family has already paid the contractors, then the finances are transferred to the family’s account.

So, maternity capital in 2021 to compensate for the costs of building a house can be received by a family in different cases, even after the house has been built. It all depends on the persons who performed the work, the time of application and other nuances.

What documents are needed?

You can receive compensation if you contact the Pension Fund with an application for disposal and provide:

• passport of the certificate holder or other document proving identity and registration at the place of residence (stay);
• a copy of the document confirming the right: ownership of the site;
• lease, perpetual or free use of land;
• lifelong inheritable ownership of the plot;

Documentation:

Application form for the issuance of a state certificate for maternity (family) capital (doc,46 KB)(rtf,123 KB) Application for disposal of funds (part of the funds) of maternity (family) capital

Construction on your own

If you build it yourself, you must provide proof of cash expenses to the Pension Fund office: sales and cash receipts, invoices. If a loan was issued for the purchase of building materials, you must provide a valid loan agreement.

Using a contractor

If a contractor was hired to carry out the work, then you must provide a contract agreement, as well as certificates of work performed in the forms established by law.

Construction loan

Obtaining MSK with a loan is somewhat different. An important note is that the money can be received without waiting until the age of 3.

An additional step that needs to be taken is choosing a bank and concluding an agreement with it. Provided that the second or subsequent baby was born after 01/01/2018, the opportunity to receive a loan on preferential terms is provided, which is a low interest rate of 6%. This condition lasts only for 3 years. Then the rate will increase to the refinancing percentage, but not more than 9%. The difference to the bank between the established rate and the reduced interest rate is reimbursed by the state.

Typically, such loans are provided for large amounts and for a long period of up to 30 years. Therefore, banks ask for collateral as a guarantee. If the land plot on which construction is taking place is owned by the family, then a mortgage is issued on it. Additional guarantees may also be required. A car, garage or other property is accepted as collateral. It is possible to attract up to 3 guarantors. Sometimes an unfinished house is also registered as collateral.

Upon completion of construction and payment of the entire loan amount, all encumbrances on the land or house must be removed. After this, the title to the new home must be registered within six months. As stated in the obligation certified by a notary, the house must be divided into equal parts, which each family member, including all children, receives.

Civil Code of the Russian Federation N 51-F3. Article 246

Maternity capital for building a house in 2021 - terms of use

In this material, we are pleased to welcome all readers who need to spend maternity capital on building a house, either with their own hands or by ordering a contractor. We will consider the features of allocating such funds, the possibilities of spending them and cases of compensation. We will definitely discuss the conditions for the construction of the building and the stated requirements for it in 2021.

The material will be useful for family people. It will be relevant for those people who want to understand the intricacies of the distribution of preferential funds.

General provisions

Maternity capital (MK or SK)

— capital of the maternal (family) type in the form of monetary assistance is provided in the Russian Federation to families who have given birth to or adopted a second child into the family. They can allocate it for the third or fourth offspring, provided that it was not paid to this family earlier.

The IC is paid as a one-time payment and applies to persons who appeared in the family as a result of birth (adoption) after 2007. For this type of assistance, a targeted procedure for spending funds is provided. This means that you can spend money on a limited number of purposes.

MK is allocated by the state as part of the law on additional measures to support families with children. The payment, like the bill, is effective from January 1, 2007.

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Is it possible, in principle, to use maternity capital for repairs, construction and reconstruction?

If a family needs its own housing, it can take advantage of various types of government support. In the Russian Federation, money is allocated for construction to young, large families in need. And any family that decides to give birth (adopt) a second child can use MK.

Let's consider the purposes for which MK can be spent from the state budget:

It is difficult to completely build a house under the MK. But it is very possible to compensate part of the cost of building materials or work performed.

As we can see, construction is included in the list of goals that, by law, can be achieved with the funds of the insurance company. But only housing construction is financed from the budget.

Attention!

As for the repair of an existing structure, such expenditure is not allowed.

Only the funds spent on reconstruction can be justified - changing the layout, increasing the area of ​​a residential building by at least one standard unit.

When can you spend MK in 2021?

SK in 2021 can be spent on all of the above purposes. According to the standard, funds are transferred to family purposes after the expiration of a three-year period. Money will be allocated immediately for the construction of a house, without waiting an appropriate interval.

When the actual budget for building a house is allocated depends on whether the house is built on its own or with the involvement of a contractor.

In Art. 10 Federal Law No. 256 stipulates a list of goals for the implementation of which MK can be directed. Building a house is included in this list.

Documents that need to be prepared to build a house using MK funds

The budget may be allocated to reimburse the loan taken for construction before the three-year period. It’s just that in order for the finances to be transferred, documentary evidence is required. You need to prepare the following package of papers:

• certificate;
• title-type papers that confirm the ownership of the site;
• construction contract (if the applicant uses the services of a specialized company);
• marriage certificate;
• the applicant’s passport and the passport of the certificate holder (if the form is issued for the second spouse);
• permitting construction papers from the administration;
• obligation to allocate shares in the planned house to all family members, including minor representatives.

Conditions for sending an insurance company for reconstruction/construction of a house

The construction budget will be allocated only if a number of conditions are met. For example, if this is a reconstruction, then those works that result in an increase in living space by one standard unit are eligible for financing. There are certain nuances regarding the construction of a new building:

• construction within the Russian Federation;
• the land is owned by the certificate holder/his legal spouse;
• the type of use in the land deed must be for individual housing construction;
• availability of permit-type documentation that allows development (issued by the local administration).

On a note!

A plot of land for individual housing construction must be privatized, formalized with a lease or lifelong use deed.

What kind of house can be built using family funds?

Above we reviewed the general rules for allocating funds for improving housing conditions. Now let's talk about the requirements stated directly for the construction. Let us remind you that only individual housing construction is financed.

For reference! individual housing construction object

– a detached residential building, no more than 3 floors high, which can be used for year-round living and registration of residents. In accordance with Art. 48 of the Town Planning Code, it can only be used by one family, whose members will be registered and live under one roof.

Selling a house

There are various circumstances that may result in the need to sell a house in order to move to another area or exchange. There are 2 main options to consider:

1. The situation when all the children have grown up and there are no minors among the owners with equal shares simplifies further actions. In this case, you only need to formalize the consent of all owners for the sale and have it officially certified by a notary.
2. If there are children among the owners, permission from the guardianship authorities is required. Such a document can only be obtained from this organization if the child is allocated a similar share of other real estate. At the same time, living conditions should not deteriorate. It is allowed to provide money as compensation for the insufficiency of the allocated new share. This requires an assessment of the housing being sold and purchased. The difference must be placed into each child's account before reaching adulthood.

   

   In the case of selling a house for the purpose of moving, when there are children among the owners, it is necessary to obtain permission from the guardianship authorities

Important! It is possible to obtain permission from the guardianship authorities to worsen living conditions only in one case, when the proceeds will be used for the treatment of one of the children.

The period during which it is impossible to sell a house built with MSK funds is not specified in any legislation.

If a house purchased with a loan is put up for sale and is still pledged to the bank, then it is necessary to obtain the consent of the lender. Without this, the deal cannot be completed.

One of the areas for using MSK funds is housing construction

One of the areas for using MSC funds is housing construction. You can do this either on your own or by hiring contractors. The chosen construction method affects the procedure for providing maternal capital. If the owners themselves are involved in the construction, then the money is allocated in 2 stages: 50% at first and 50% after confirmation of the intended use of the MSK. They are transferred by the Pension Fund to the account of future home owners. When concluding an agreement with builders, the entire amount of budget funds is immediately credited to the contractor’s account. In both cases, you can use government funds only after 3 years, when the right to receive a certificate arose. It is immediately permitted to use MSK for construction only when taking out a loan.

Maternity capital for building a house, order and features of use in 2017-2018

From the moment the second child is born in a family, the state provides the opportunity to use budget funds under the MSK program. In addition to the simplest option of purchasing a residential property, many citizens decide to build their own home, which is also allowed by Federal Law No. 256-FZ.

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Is it possible to use the MSK certificate for construction?

In the list of possible directions for transferring funds under a certificate, Law No. 256-FZ allows for the construction of a house using maternity capital.

In this case, the concept of construction includes the following actions:

• disposal of maternity capital for the construction of a new house;
• use of maternity capital for the completion or reconstruction of a house;
• allocation of mat capital for actually completed construction.

The main problem that will arise for citizens who have begun building a house using maternity capital will be confirmation of documented expenses.

If any store issues such documents for purchased materials, then constructing an object using your own efforts will not allow you to objectively assess the cost of the work.

Thus, it is possible to build a house for maternity capital within the framework of the MSK program, but it is necessary to establish in advance the procedure for confirming all work performed.

To use maternity capital for the construction of a private house, you must comply with the conditions regulated by Law No. 256-FZ

1. the construction of the facility must be carried out within the Russian Federation;
2. the land plot on which the construction of the structure is carried out must be owned or otherwise legally owned by citizens;
3. To build a house under the maternity capital program, you must have the necessary design and estimate documentation approved in the prescribed manner.

Important! If the intended purpose of the land was not the construction of a residential property, then it will be impossible to direct maternity capital to build a house.

In this case, one of the main conditions of Law No. 256-FZ is not met.

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To transfer funds, you must contact the territorial office of the Pension Fund of the Russian Federation with the following package of documents

1. mother’s statement, on the basis of which the maternity capital will be used to build a house;
2. original MSK certificate;
3. passports and birth certificates of all family members;
4. an agreement, decree or other document of title for a land plot;
5. permitting documentation, if required by construction conditions;
6. a contract if, instead of using its own resources, the family decided to hire third-party workers;
7. a notarial obligation to register ownership of the constructed object in favor of all family members no later than six months after completion of construction.

Maternity capital for housing under construction as of 2017-2018 is 453,026 rubles. 00 kop.

This is exactly the amount that citizens who decide to build a house on their own or with the help of a specialized contractor can count on.

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If a family decides to build a house for maternal capital on the basis of a contract, it will not be able to receive the money itself, since MSC funds will be transferred to the contractor based on the submitted estimate, but within the total amount of the certificate.

The use of maternity capital for the construction of a house is permitted only after the second child reaches the age of three.

As an alternative, it is allowed to use maternity capital to build a house, for which the initial funds were received through a bank loan. When using hired force, all expenses incurred must be documented. Maternity capital for the construction of a house will be transferred based on the cost of the estimate for materials and work performed.

In this case, the following features must be taken into account

• maternity capital for the construction of a house will be provided in equal parts, 50% upon the initial application of citizens and 50% after confirmation of completion of construction;
• Maternity capital when building a house on your own in 2021 will be transferred to the account of one of the spouses carrying out all the work.

Maternity capital for building a house on your own will be fully paid if the conditions for putting it into operation and registering the property with the cadastral register are met.

We describe typical ways to resolve legal issues, but each case is unique and requires individual legal assistance.

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How to receive MSC funds for an actually constructed object

The question of how to build a house with maternal capital will not arise if citizens built it before receiving the right to participate in the MSK program.

In this case, it is possible to compensate the costs if the following conditions are met:

1. the date of actual construction of the facility must be no earlier than January 2007 (when the family capital program came into force);
2. the application for compensation followed after the second child reached the age of three;
3. The construction of the facility was carried out by citizens’ own efforts, without the involvement of contractors.

If these requirements are met, the family can contact the territorial office of the Pension Fund of the Russian Federation with a standard package of documents confirming the registration of ownership of real estate. After the two-month verification period, the funds will be transferred to the account. The total amount of compensation will not exceed the total amount under the MSK certificate, i.e. no more than 453,026 rubles. 00 kop.

Changes in 2021 will be announced later. You can learn about this from the news on our website. The information in this article will also be updated.

Maternity capital indexation is frozen until 2021.

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