Matkapital acts as a certain measure of state support. It is issued to families in which a second or subsequent baby appears. It is quite simple to design, and it also has a significant size. It is regularly indexed, so the amount of funds that can be received by certificate holders increases. But you can use the funds only in limited areas, which include the ability to use maternity capital to build a house.
The concept of mother capital
It is represented by a certain certificate, which indicates when the family received the document, as well as for what purposes the funds that are issued by the PF on the basis of this paper can be used.
This benefit was introduced back in 2007, and changes are regularly made to the legislation, and the amount is also indexed. Every family in which a second child appears can count on such a benefit. Atthis child can be not only born, but also adopted.
You can use this benefit in a limited number of areas that are clearly stated in the legislation. For this, you will need to obtain prior approval from the PF. The employees of this institution assess the existing conditions of citizens, and also study the project and other documents related to the future structure, since it should be registered as residential real estate. It is taken into account that the building should be comfortable, with all necessary communications and a convenient location.
What can I use for?
When introducing this type of support for citizens, it was decided that a large amount of funds can be used only for a limited number of purposes. They have remained virtually unchanged since 2007. You can use matkapital only in several directions:
- acquisition of housing represented by an apartment, house or room;
- maternity capital for the construction of a house makes it possible to obtain a unique building that meets the requirements and desires of future owners;
- mother's pension increase;
- payment for educational services for children;
- use of money for the adaptation of children with disabilities.
To issue a certificate, you will need to contact the PF department. To do this, a citizen must have an application, a passport, birth certificates or passports of all children in the family. If a child is adopted, thenrelevant documents. If the father or mother is a foreign citizen, then a paper is required confirming that the children have Russian citizenship.
Nuances of applying for benefits
Building a house for maternity capital is implemented quite often, and the scheme for obtaining state support is considered quite simple and understandable. To do this, you must have payment documents confirming the deposit of funds for the purchase of materials or remuneration of hired specialists.
PF employees will regularly monitor the use of funds received. If violations are revealed during the construction of a house for maternity capital, then this may become the basis for the seizure of the balance and the imposition of a fine for the funds used. Therefore, it is important to correctly apply this benefit.
Using the funds
It is important to understand how to use maternity capital to build a house. Different options can be used for this, since money can be spent on the following purposes:
- buying materials for building a house or finishing work;
- remuneration of employees;
- funding for the use of various special equipment.
All expenses must be justified, and they must also be confirmed by payment documents, which are represented by checks, warrants or invoices. If these papers are missing, then you can be denied compensation. Also, you can't usechecks that are used to purchase not materials for construction, but unnecessary items for personal use.
Conditions for benefit use
Can maternity capital be used to build a house? This method of spending funds is considered optimal, but some requirements and rules must be taken into account:
- there is a limited time frame, as half a year of work requires pouring the foundation and erecting walls, as well as installing a high-quality and safe roof;
- it is a residential building that must be built, which is reflected in various documents;
- it is not allowed to use funds from the state for the construction of a bathhouse, various outbuildings, garages or other similar structures;
- there is no time limit for finishing work, but they must be completed within a reasonable amount of time, so a year is usually allocated for this;
- land is not allowed to be purchased with these funds, so citizens must have their own money for such a purchase.
You can use the benefit only three years after the birth of the child for whom the certificate was issued. The only way to use the money in advance is to get a dedicated home loan.
How to get funds up to three years?
Maternity capital for building a house can be used immediately after it is issued when obtaining a loan, so parents do not have to wait until the youngest child turnsthree years.
For this, a standard procedure is used, which involves obtaining a loan from a bank. Matkapital can be used as a down payment or it can repay an existing loan.
How to get a certificate?
Initially, you need to get the certificate itself, which confirms that citizens can really enjoy the support of the state. To do this, documentation is transferred to the PF:
- parents' passports;
- birth certificates and passports of all children in the family;
- birth certificate;
- SNILS citizen;
- statement.
Both father and mother can submit documentation, and the procedure is most often performed by the father. This is due to the fact that in most cases a man is engaged in building a house.
What documents are needed to receive money from the state?
The certificate is prepared within a month. During this time, it is advisable to prepare the documentation that is required for the construction of the building. This includes:
- papers for a plot of land allocated for the construction of the facility;
- permission to build a private house, which can be obtained from the local administration;
- project on the basis of which the construction of a house under maternity capital will be carried out;
- estimate, which is part of the project documentation, and also contains information about how much money should be spent to build the facility;
- an agreement drawn up with a construction team, on the basis of which the mainwork.
Additionally, you need to open an account in any bank, allowing you to replenish it or withdraw funds at any time. You will also have to contact a notary so that after the construction procedure, shares in the object will be allocated to each child.
Getting money
As soon as all the documents for the future building are collected, you can contact the Pension Fund with a special order, on the basis of which funds are applied for the mother's capital for the construction of the object. If three years have not passed since the birth of the child and citizens do not want to apply for a loan, then documents are transferred after three years.
All documentation will be checked within a month to determine whether maternity capital can be used to build a house or there are grounds for refusal. Often it is necessary to clarify various details or prepare additional documentation.
If there are no grounds for refusal, then within one more month the funds will be transferred to the applicant's account. After that, they can be directed to purchase various materials for construction, as well as to pay specialists.
Initially, only half of the total amount will be transferred, which should be enough to implement the first stages of construction. Six months are given for the process of building an object, after which it is necessary to confirm that maternity capital was used to build a house. After confirming the intended use of money, we can expect the transfer of the second partamounts.
You can pay for materials or work not only in cash, but also by bank transfer. In this case, an extract from the bank is attached to payment documents submitted by checks or invoices.
Can funds be used up to three years?
There is a certain limitation, which is that in order to use funds from the state, it is required to wait three years after the birth of the child for whom the certificate was issued. There is no limit to paying a mortgage or taking out a loan, so the amount provided may be the initial investment.
To use the funds before the child is three years old, several options can be used:
- a loan is issued for the construction of a house under maternity capital, and in such a situation, the benefit from the state is the initial investment;
- a house is being built completely at its own expense, after which, after three years, you can apply to the Pension Fund with the necessary payment documents to receive compensation;
- an unfinished object is bought with a mortgage loan at a low price, after which it is completed or demolished, which will allow the construction of a new object, and a certificate can be used to repay the loan.
In most cases, the cost of building an object exceeds the amount of the benefit, so you will have to invest a lot of your own money. Use of maternity capital for constructionat home allows you to reduce your expenses, but we must not forget about the requirement, on the basis of which it is necessary to allocate shares in this property to children.
For what reasons can they refuse?
You can spend maternity capital on building a house, if you carefully understand this process, and also take into account numerous nuances. But even under such conditions, you can be denied the provision of public funds. For this, the PF must have good reasons, usually presented by reasons:
- parents were deprived or restricted in their rights to children;
- the court makes a decision on the basis of which the adoption of babies is canceled;
- parents have committed any serious crime against the child, which can be represented by murder, bodily harm, beatings, imprisonment, and other violent acts;
- PF employees reveal that earlier citizens provided false information about the construction of the house;
- not all documents are transferred to the PF.
Thus, if all the documents for building a house on maternity capital are not prepared or there are other good reasons for refusal, then it will simply be impossible to count on this benefit. If the payment of funds is assigned at all, but after it is discovered that fake documents were transferred, then this leads to the fact that the parents will have to return all the money received, and they will also be held administratively liable.
Howwhat to do in case of refusal to issue money?
If the refusal to pay compensation for the construction of a house by maternity capital was received without justified reasons, then citizens who have a certificate can perform different actions:
- initially, it is advisable to write a statement with the identified violation to the higher body of the Pension Fund;
- if such an action does not bring the desired result, then a statement of claim is filed with the court located at the location of the PF branch where the documents were transferred.
The application is considered by the management of the Pension Fund within 30 days. If at this time there is no answer or it is negative, then you can go to court. If you need to check different information by the management of the institution, then it is allowed to increase this period by 15 days.
When applying to the court, it is required to prepare the same documents that were submitted to the PF to receive funds. They are the proof that citizens really have the right to receive maternity capital for building a house on their own. In this case, there must be official answers or confirmation of their absence from the PF.
Thus, matkapital is considered to be in demand state support. It is allowed to use it exclusively in several directions, which include the possibility of erecting a private building. It is important to understand the rules for the use of funds, as well as take into account the requirements of the Pension Fund, so as not to be denied the procedure. When makingloan you can get money without waiting three years.
