Possibilities of maternity capital. Acquisition of housing
In this article, we will examine the possibilities of maternity capital.
Our state regulates the use of maternity capital to obtain any real estate only in cases where it is said about improving housing conditions. Also money can be invested in the construction, for example, a country house, the purchase of one's own housing or the improvement of existing housing for the better.
If all the same your goal is to buy a house outside the city, an elite apartment or a small mansion, then you are given a choice of two versions: in the first case, it is a loan, it also includes a mortgage loan, in the second case, you canpurchase the house you selected immediately for cash. In any case, the action plan with the parent capital will be approximately the same as, for example, buying an apartment in the city. When choosing the method of lending, you need to remember that banks credit the family funds or maternity capital as an initial contribution, or you can pay out the same interest on your loan from the same funds. Proceeding from this, those who have a maternity capital certificate need to find the appropriate housing option, which is sold on credit and, of course, the amount that our state gives you. At the moment this amount is 365700 rubles. It should be emphasized that not so long ago the state made some changes in payments of housing and mortgage loans, which were taken until 2010 to improve their already existing dwellings. Thus, it is allowed not to wait until the child turns 3 years old on which payment is made.
At first glance, buying a country house for cash is easy. If such a transaction is reviewed and approved by the Pension Fund of the Russian Federation, which in turn gives permission to issue a maternity capital certificate and also transfers money to the seller's account, and does not give out cash in cash.
What can be zamorochki? If there is a conversation about loans, then you need to know that banks do not really want to take this money in the form of a down payment. In addition, you must constantly confirm your income and be extremely convincing. Another important factor, the RF PF understands every individual case on the basis of a package that you provide. The examination lasts from two months and more. In the event that you decide to buy a house for cash, you need to be located to the fact that the seller will not be able to wait long for you money or a favorable option at home will be waiting for you.
It may be that the RF PF will refuse to transfer money to the account of the seller or the bank, if what you buy does not fit the main thing - improvement of housing conditions. If, nevertheless, your task is to buy only for living, and not as, for example, a dacha, then you can easily get your maternity capital.
It is important to remember also that it is necessary to formalize the ownership right for all members of the family and to determine the part by consent and voluntarily.