How to use matcapital to build a house in 2021

2024 Author: James Gerald | [email protected]. Last modified: 2023-12-17 14:00

In March 2020, amendments to the acts were approved, providing for the registration, receipt, use of the mother capital. It became more clear to parents how to use maternity capital to build a house in 2021. Items that were not there before are spelled out.

What's new in legislation

Social payments aimed at encouraging families to replenish, from March 1, 2020, are received by women who have adopted and / or given birth:

• first child - 466 617 rubles;
• second child - 616 617 rubles;
• third and subsequent children - 616 617 rubles.

The current approved payments are for babies born and / or adopted as of January 1, 2020.

New order of registration and receipt:

1. You do not need to issue a certificate yourself.
2. Data on the birth and / or adoption of children will be automatically sent to the FIU from the registry office.
3. After processing, the data will go to the mom's personal account.
4. It takes 5 days to issue a certificate. Issuance - 10 days.
5. You can dispose of funds without resorting to the document itself.

Until the end of 2020, the terms for consideration and issuance of the certificate are the same: 15 days for information processing, 1 month for consideration. However, today territorial bodies process information according to new rules.

From the FIU, the data is sent to banks. You do not need to additionally write an application - it will be automatically filled in upon registration. You just need to sign it and agree with the terms of the financial institution.

Maternity capital implies targeted spending of funds. You can master the money for the following needs of the family and children:

• mom's retirement account;
• construction, purchase of residential premises;
• payment for children's education;
• rehabilitation of children with disabilities.

Attempts to cash out the maternity capital are criminalized.

Most often, parents spend maternity capital funds to improve the living conditions of the family, to build a house.

Building a house

In 2021, maternity capital funds, as before, can be used to build a house after 3 years from the birth of a child. The money is used until the child is 3 years old, if the parents took out a loan for the purchase of building materials and built a house on their own.

The building must be no older than 2007, and the parents took out a loan for its construction. The new law regulating the movement of maternity capital funds spelled out how to use maternity capital to build a house in 2021 until a child is 3 years old. The amount under the certificate is used to repay the loan after all documents have been agreed with the FIU.

At the moment, there is a clear procedure for the disbursement of funds for these purposes. First of all, parents must own the land on which the house is planned to be built.

So that families can use maternity capital to build a house in 2021 on their own, all documents are thoroughly checked by state authorities. Therefore, all contracts must be spelled out.

The money is allocated only for the construction of the house. The law does not talk about a land plot.

Then you need to proceed as follows:

1. Select a contractor company.
2. Collect and submit documents for the FIU.
3. Wait for the decision.
4. Start building a house.

Documents for the FIU:

• copy of the building permit;
• a copy of a certificate, agreement, other document confirming the right to own land;
• a legal obligation that regulates the right of ownership of the future home by all family members.

After agreeing on all the documents, the FIU sends the money to the account of the contractor. Often the maternity capital money is not enough to build a house. In this case, the parents will have to pay off the difference with their own funds.

Money is transferred only after most of the structure is ready. Starting building a house, you need to carefully calculate your strength. It will no longer be possible to repay the loan with the help of the allowance. Better to have your own money in case you need to make a difference.

It is very important to choose your contractor carefully. There are companies that do not work with maternity capital funds at all. The fact is that they will be able to master the money only after renting the house. But do not be afraid that the house will not be completed. Even if this happens, homeowners will not lose a dime.

You need to be careful, because many contractors deliberately inflate the cost of materials. In this case, the difference between the customer's real money and the parent capital will be greater.

The house being built must comply with urban planning standards. A living object is a building that is located on a separate site and cannot be higher than three floors.

A residential building is being built at the expense of the full amount of the benefit or part of it. The requirements of the regulatory authorities are as follows:

1. Construction is being carried out on the territory of Russia.
2. Within walking distance is the infrastructure necessary for children and mothers: schools, kindergartens, medical institutions.
3. There should be so many rooms that all children have their own space.
4. All communications must be connected.
5. The dwelling must be put into operation in accordance with the town planning regulations.

If at least one of the points is violated, the construction of a house and the further residence of children in it may be denied.

Outcomes

It is possible to build housing with funds from the capital. If there is not enough money, you need to deposit your own funds. The means of the certificate are mastered only in a non-cash way. All family members should be the owners of the finished house. Each child should have their own space. The building is being erected within walking distance from important social facilities.