Krympress reports:
Maternity capital is a significant state support for families with children, which can be used to improve housing conditions. However, the process of acquiring real estate using these funds has its own characteristics, which must be taken into account. In this article Office of Rosreestr in the Republic of Crimea and Sevastopol He signs a step -by -step how to buy housing with the help of uterus, both without a mortgage and with the involvement of a mortgage loan.
Important!
Real estate acquired using maternity capital is issued in the common shared property of parents and children, the amount of shares is determined by the agreement between them. The acquisition of housing is regulated by law, and non -compliance with the established rules can lead to a refusal to pay or other problems. It is recommended to apply for advice to a lawyer in order to avoid errors and ensure the legality of the transaction. It should also be borne in mind that there are restrictions on the use of uterus, for example, it is impossible to use it to buy a land plot, maternity capital is designed to buy housing.
Buying real estate without a mortgage
Step 1: Choosing an object and concluding a contract of sale.
Start by finding suitable housing. In the sale and sale agreement, it is extremely important to clearly indicate that part of the value is paid by maternity capital. Indicate the exact amount to be paid from the capital.
Step 2: Registration of ownership in Rosreestr.
After signing the contract of sale, it is necessary to register ownership in the real estate register. This will require the originals of the contract, passports of the parties to the transaction and other necessary documents. After registration, you will be issued an extract from the USRN confirming your ownership. Please note that registration can take from 5 to 9 working days.
Step 3: An application to the social fund of Russia (SFR) on the disposal of maternity capital funds.
After registration of ownership, submit an application in the field. This can be done personally, through the public services portal or through a multifunctional center (MFC).
Necessary documents:
* Passport (or other identification document and place of residence) of the applicant and spouse (if any).
* Marriage certificate (if any).
* Certificates of birth of all children who give the right to maternity capital.
* Sales contract.
* Extract from the USRN
* Conclusion on the compliance of the premises with established sanitary and technical standards and rules. This document confirms the suitability of housing for living. To obtain an appropriate conclusion, you will need to contact the MFC.
Step 4: Obtaining funds.
SFR examines the application within 10 business days. With a positive decision, the money is transferred to the seller’s account specified in the contract of sale within five working days.
Buying real estate using maternity capital in a mortgage
In this case, uterus is used as the initial contribution or repayment of part of the mortgage loan.
Step 1: Preparation of documents.
Get a certificate of the balance of maternity capital on the SFR website or the public services portal.
Step 2: obtaining a mortgage loan.
Contact the bank for a mortgage loan. The bank calculates the loan amount, the initial contribution (including uterus) and monthly payments.
Step 3: Conclusion of the sale transaction.
Find the right housing and conclude a contract of sale.
Step 4: Appeal in the field.
After the conclusion of the transaction and registration of ownership, provide in the SCR:
* Application for the disposal of maternity capital.
* Certificate from the bank on obtaining a mortgage loan.
* Conclusion on the suitability of housing for living. To obtain an appropriate conclusion, you will need to contact the MFC.
* Documents confirming the ownership of real estate.
SFR will consider your application within 10 business days, and within five business days after approval will transfer funds to the bank account.
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