Is it possible to spend maternity capital on home reconstruction?

Use of maternity capital in the reconstruction of a private house

According to Article 7 of Federal Law No. 256-FZ dated December 29, 2006. One of the options for using maternity capital funds is to improve the family's living conditions. This area is a priority for this program, since its main goal is to create conditions for providing citizens with living space. There are also a number of other areas for using maternity capital.

The concept of improving housing conditions means purchasing a home, paying off a mortgage debt, or using funds as a down payment on a mortgage. Also, funds under this program can be used to build your own home or reconstruct your living space.

What else can you spend maternity capital on?

Separately, I would like to note that maternity capital received for the birth of a child in a family can be used not only to improve living conditions. This capital also has some other purposes, from which the owner of the microcompany has the right to choose. Namely:

Improving living conditions. In this article, we described how maternity capital can be used to reconstruct existing housing. But MK can also be used to purchase a new, more spacious home.
Tuition payment. Money for such purposes can be used for the following paid services:

keeping a child in kindergarten;
education of an older child at a college or university;
accommodation of the child in a dormitory during his studies.

To form a funded pension for the mother.
To carry out social adaptation, as well as integration into society of children with disabilities.

Remember, how exactly to manage maternity capital within the framework of the above possibilities can only be decided by the person in whose name the certificate was issued.

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Reconstruction of a house using maternity capital

16. A house of 3 parts, for 3 owners, can I, at the expense of maternal capital, reconstruct the 2nd floor of my part. Two children of different sexes, having documents for their part of the house, a Certificate of state registration of rights, a husband and a neighbor participate in the common shared ownership, our part is divided between my husband and me at 17/100. Will they give me maternity capital for the reconstruction of the second floor in this case?

2. I am going to reconstruct a residential building using maternity capital. When I contacted the Town Planning Authority, I was told that as of August 4, the permit was replaced with a notice, what should I now provide to the pension fund? In the city plan. There are no forms for such notifications yet.

Obtaining maternity capital funds for the construction of a private house on your own

The authority that issued the construction permit is obliged, after 6 months from the date of transfer of the first half of the maternity capital to the account, to inspect the house under construction.
By this moment, the site should have a ready-made “box” - foundation, walls, roof. Finishing work is not mandatory.
If we are talking about reconstruction, the area of the house must be increased during this time by at least the accounting norm; there is no limit to the increase.

The child reaches three years of age. Before this period, the use of assistance for housing construction is prohibited.
Availability of site. You cannot buy land with capital, so you need to purchase it with your own funds, rent it, and formalize the right of inheritance and use. If the family already owns a plot of land, the procedure is greatly simplified.
You can build a house with your own hands or hire workers. The law provides for both options. If the work is performed by a contractor, the money will go to his account. If a family builds a house on its own, it will be compensated for the costs of purchasing building materials.
When submitting an application, it is mandatory to have permits to begin construction.
If outside workers are hired, a corresponding agreement must be concluded with them. Even if a relative or acquaintance will be involved in the construction, it is important to arrange everything legally correctly.
You can start building a house before your child turns 3 years old. Just save your receipts, contracts, invoices for construction materials, and upon reaching the specified age, the state will cover these expenses at the expense of maternity capital.

Obtaining maternity capital for home reconstruction

Maternity capital can be obtained to improve living conditions by families with 2 or more children. One of the options for changing living conditions for the better is to reconstruct the house. In the article we will look at some features of registering maternity capital for reconstruction.

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Reconstruction begins with an assessment of the current condition of the house in order to find out information about the technical condition of the supporting structures and the degree of wear. The next stage is the development of design and estimate documentation, which must reflect all types of construction work used at the site . After clarifying the details, citizens need to contact local government or state authorities (usually BTI or Rosreestr) to obtain permission to carry out this work.

Loan for home reconstruction using maternal capital

To receive compensation for the reconstruction of a house, it is necessary to attach to the application and documents an inspection certificate, which indicates that during the reconstruction the area of the house was increased and it was carried out no earlier than January 1, 2007.

If maternity capital compensates for reconstruction, then ownership of the house can be registered before the specified date.

The total area of the house should increase by no less than the accounting norm, which is determined differently in each region and on average in Russia is 8-15 square meters. m.

The inspection report is issued by local government authorities based on an application. Within ten working days from its receipt, an inspection of the housing is organized, based on the results of which the specified document is drawn up (Government Decree No. 686 of August 18, 2011).

As is known, as a general rule, a family can dispose of a certificate for maternity capital only after the child reaches three years of age. However, if there is an urgent need for this, it is allowed to improve living conditions for up to 3 years. But this applies only to the purchase and construction of housing; reconstruction does not fall under this category.

In other cases, citizens can carry out reconstruction on their own, and when the child turns 3 years old, demand compensation for the money spent. Since families often do not have enough money of their own, they turn to loans. A loan becomes a real salvation for many citizens, but it must be repaid.

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Since money for the second half needs to be taken from somewhere, this pushes many to take out a loan for repairs, in our understanding - for reconstruction, and repay it from maternal capital.

Maternity capital for house reconstruction - how to use it

At the moment, for many families with more than 2 children, maternity capital is an excellent solution for improving living conditions. The concept of “improving living conditions” includes not only the acquisition of a new apartment, but also the reconstruction of existing residential areas. In this article, we will tell you in detail about what home reconstruction is, how to carry it out using maternity capital funds, and what documentation you will need to provide.

Family type capital is designed to be spent only when the child turns 3 years old. If the parents decide not to wait for this period, then she may even receive compensation for the funds spent after the age of three.
Raising funds from capital is also a fairly common method, but we draw your close attention to the fact that in this case it will not be possible to repay the loan early using maternity capital, since the bank has the right to repay only loans for the purchase of new housing or its construction.
Also, do not forget that, in accordance with the legislation of the Russian Federation, all those reconstruction measures that you intend to carry out must be done independently without the involvement of any repair companies, teams, and especially contractors.

Matkapital For House Reconstruction 2020

Let us recall that since 2007, when the maternity capital program began to operate, the size of the certificate has increased from 250 thousand to 453 thousand rubles (by 80%). The most significant increase occurred in 2009, when indexation was 13% , and the smallest increase was in 2014, when the amount of maternity capital increased by only 5% .

Maternity capital for the reconstruction of a private house

A family in which a second child was born after 2007 can become the recipient of a maternal certificate. The allocated funds are indexed based on Government Resolutions (not every year). For example, in 2020, the size of maternity capital has not changed - it is equal to 453,026 rubles .

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In turn, in the Komi Republic, regional maternity capital is intended exclusively for families where the 3rd child was born. Payments amount to 150 thousand rubles. They can only be spent on expanding the living space, paying for the child’s education and treatment, carrying out repairs and remodeling the home.

In order for the improvement of living conditions to comply with the legal order, it is necessary not to deviate from legal norms. Otherwise, the pension fund may refuse to dispose of public funds.

Is it possible to spend maternity capital on apartment renovations in 2020?

building an attic or converting an attic into living space;
extension;
reconstruction to increase living space;
strengthening load-bearing structures;
capital construction of a house on a foundation;
change in technical parameters;
replacement of communications.

Major repairs mean the restoration of parts of the house, for example, replacing the terrace with a new one, but along the same lines; replacing old slate with a new roof; laying water pipes; heating system, etc. All these actions do not require permission; the technical plan of the house does not change.

application to the Pension Fund;
identification documents;
papers confirming the relationship of family members (marriage, birth of children);
papers giving ownership of the house and land;
design and estimate documentation;
permission to carry out reconstruction;
opening a bank account;
agreement to allocate shares to all family members after completion of work.

Why won't they give you maternity capital?

Global reconstruction is allowed with the addition of a room of at least 6 square meters. m. Moreover, family members must do this on their own. What to do if among the relatives of the woman who received maternity capital there are no knowledgeable in redevelopment - the law does not say.

Renovating an apartment is a long, difficult task that requires certain financial investments. Families are not always able to save the required amount, especially if all the work is carried out not by themselves, but by hired specialists. The lack of money raises the question among families with children: is it possible to spend maternal capital on renovating an apartment?

Using maternity capital for home repairs and reconstruction is a unique opportunity for families with two children who already actually own some real estate, but want to improve its residential properties or expand residential square meters in accordance with living standards.

How can you use maternal capital for repairs and reconstruction?

Housing reconstruction is a set of construction works to improve the technical characteristics of housing, increasing its area for more efficient use. That is, if a veranda or living rooms are added to a permanent house as a result of reconstruction, the usable area of the house will increase and the family’s living conditions will improve.

copies of documents confirming the right of the certificate owner or his spouse to dispose of the land plot on which reconstruction work is being carried out (ownership, lease, perpetual use, etc.);
a copy of the permit for the construction and reconstruction of the house;
an extract from the Unified State Register of Real Estate on the rights of the owner of the certificate or his spouse to a residential building, the reconstruction of which is carried out at the expense of mat capital funds;
certificate of bank account details opened in the name of the certificate owner.

Is it possible to spend maternity capital on home renovations?

On the other hand: it’s good if the family lives in the suburbs of Moscow or another metropolis, where there are many contracting organizations. But where can those who live far in the outback find such a construction company? Even if someone is engaged in professional repair work and knows how to build and reconstruct well, it is unlikely that he is officially registered and can provide a report.

This is a standard package of documents that is submitted to the Pension Fund when making any payment from the Pension Fund. In addition, when a house is being built or reconstructed, the owner of the capital must write a written commitment to the Pension Fund stating that he undertakes, within six months after completion of such work, to register the residential property as shared ownership of family members.

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Maternity capital for the construction and reconstruction of a house

An increasing number of families with different incomes are striving to live in their own house on the land, so the construction or reconstruction of individual housing as a means of using maternity capital funds (in 2012 - 387,640 rubles 30 kopecks) is now very important. How and in what cases are funds transferred?

Information from the Unified State Register of Rights to Real Estate and Transactions with It and information confirming the issuance of a construction permit, carrying out basic work on the construction or reconstruction of an object is requested by the Pension Fund of Russia bodies from the relevant departments in the system of interdepartmental interaction, therefore citizens applying for the disposal , has the right to provide the specified documentation to the Pension Fund on its own initiative.

Maternity capital for secondary housing

When using maternity capital to purchase housing, it does not matter what kind of real estate is purchased: primary or secondary. To spend funds in this area, you must contact the Pension Fund of Russia (PFR) with an application for disposal and the required documents, the list depends on the method of acquisition: under a purchase and sale agreement, using credit funds (with the conclusion of a mortgage agreement or not).

For many parents, buying housing on the secondary market is the most preferable way to use maternal capital; you can start living in such real estate immediately after purchasing it, and on the secondary market it is often easier to find an option that is suitable in terms of cost and conditions. However, bank loan programs are more focused on new buildings (lower mortgage interest rates, more favorable loan conditions). In addition, in Russia there are a number of programs that are related to the purchase of housing specifically on the primary market, for example, the provision of preferential mortgages at a rate of 6%.

Despite this, secondary housing has a number of advantages, which is why many people choose it.

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Using maternity capital to renovate an apartment or reconstruct a house

document proving the identity of the applicant and her place of residence;
paper confirming the birth and Russian citizenship of children;
certificate of entry of the child’s father and mother into official marital relations or of divorce;
SNILS for each family member.

It is also necessary to mention for what purposes state aid should not be spent. Thus, it is not allowed to use maternal capital to pay off existing debts on utility bills and consumer loans, buy a car and place this money on deposits. And for those who are interested in whether it is possible to cash out maternity capital, we will immediately warn that this is prohibited by law.

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Is it possible to use maternity capital to reconstruct a house?

After receiving the first part of the funds, you must begin the actual work that was planned in advance and indicated in the application. After their implementation, you can receive the second part of maternity capital for the reconstruction of a residential building, which is represented by compensation for expenses already incurred.

Maternity capital for home reconstruction is used quite rarely, since this process is considered complicated due to the need to prepare numerous documents. Also, certificate holders do not always receive approval from the Pension Fund.

How to build or reconstruct a house using maternity capital

Ownership of a constructed residential building must be established later than January 1, 2007. The moment of emergence of ownership of a residential property is not considered if funds are received to reimburse costs incurred during its reconstruction, and the reconstruction work must be carried out later than January 1, 2007.

In all regions of Russia, this norm is defined differently, and it is established by local authorities. So in the city of Omsk, for example, it is fifteen square meters, and in the regions from twelve to eighteen square meters. As a result, we see that capital funds can be used for housing reconstruction only if the housing area is increased.

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Obtaining maternity capital for home reconstruction

Let's consider the following feature of providing maternal capital for reconstruction - as a result of all repair work carried out, the total area of a residential building must be increased by at least 1 accounting standard area (Article 50 of the Housing Code of the Russian Federation).

a copy of a document confirming the right to own or use a land plot (for example, a purchase and sale agreement, lease agreement, inheritance agreement, etc.);
a copy of the certificate of registration of the object as an individual housing construction;
information about the bank account to which the funds should be transferred (and the account must be opened in the name of the applicant);
a copy of the building permit that was issued to the spouse or applicant.

What are the requirements for house reconstruction work?

To compensate for the construction of a house with maternity capital, according to legal requirements, it is necessary that:

The premises were located on the territory of the Russian Federation.
Ownership of the housing was registered no earlier than January 1, 2007 - or reconstruction was carried out starting from this date.
The construction was carried out on our own, i.e.
without the involvement of third parties. In practice, some branches of the Pension Fund pay compensation even if the house was built by a contracting company, but in each specific situation it is necessary to consult with employees of the Pension Fund.
The housing was the object of individual housing construction, which, according to Part 39 of Art. 1 of the Town Planning Code:
has no more than three floors;
no higher than twenty meters;
not divided into apartments.

You can divide housing and allocate shares:

in advance, before submitting an application to the Pension Fund;
within six months from the date of transfer of maternity capital. Then the owner of the certificate must submit to the Pension Fund a notarized obligation to allocate shares.

The land plot must have one of the following types of permitted use:

individual housing construction;
personal subsidiary plot.

The owner of the certificate or her (his) spouse must have the right of ownership of the plot or the right of lease, lifelong inheritable possession, perpetual or gratuitous use.

The Pension Fund will not allocate funds for every reconstruction of a house - it is necessary that the construction work meets the conditions of the maternity capital program. In order for the money to be received after the owner of the certificate writes an application to the Pension Fund of the Russian Federation, it is necessary that, as a result of reconstruction, the area of the house has been increased by at least 1 accounting standard area.

This measure is approved by regional authorities so that it is possible to establish the level of provision of persons living in a given subject of the Russian Federation with living quarters and the need for improved living conditions. As a rule, we are talking about 18 square meters. This is exactly the amount of housing space in most regions that should be allocated per family member.

Since 2007, the state has been issuing maternity capital to support young families. All payments are made by the Pension Fund, and the benefit can be spent on a variety of needs, including the purchase of housing. For young families, this is a chance to improve their living conditions, as real estate prices are only rising.

If the site has a designated purpose of DNP, that is, it implies the construction of a house that is suitable not for annual residence, but only for recreation.
Land located in SNT, that is, land allocated for the construction of a house for recreation and growing crops for personal use.

This article describes in detail about maternity capital for dacha construction, and everything you need to know about it. Is it possible to build a country house for maternity capital? In order to answer this survey, first let’s figure out what maternity capital is and who is entitled to it.

Initially, the use of maternal capital was possible to improve the family’s living conditions (including the ability to buy housing that meets the requirements); to pay for educational services for children (including payment for kindergarten and higher or secondary vocational education); to increase the mother's funded pension.

But since 2020, two more areas for using the certificate have appeared: the purchase of goods and services for disabled children, and a monthly allowance from maternity capital funds for families who gave birth to a second child after 01/01/18 (provided that the family income per person per month is not exceeds 1.5 subsistence level).

According to Law No. 66-FZ on dacha associations, a residential building can be built on the received plot. But the land allocated by the dacha non-profit partnership is intended for growing crops, constructing outbuildings and locating a dacha house. The Pension Fund is not satisfied with this formulation. Therefore, maternity capital for the construction of a house on a summer cottage is not transferred.

Every person dreams of a cozy family nest. Some people buy ready-made housing, while others want to build their dream home themselves. Using maternity capital to build a house, you can partially or even fully pay for the necessary materials. For example, in the European part of Russia, new frame-type buildings are becoming increasingly popular. If the family builds it on their own, then 350-400 thousand rubles is enough to purchase the necessary materials.

After Federal Law No. 217 of July 29, 2017 came into force on January 1, 2020, the construction of a residential building using maternity capital on a “dacha” plot became possible. However, the very concept of “dacha” no longer exists at the legislative level; “dacha partnerships” have been replaced by horticultural and vegetable gardening partnerships.

In 2020, the most popular area for spending maternity capital remains improving housing conditions. Many families use the funds from the maternal capital certificate (in 2020, it is provided in the amount of 453,026 rubles) to build a private house or receive compensation for work already completed (compensation can be received if the right to the built house was registered no earlier than January 1, 2007). It does not matter how the construction is carried out, independently or with the help of a contractor.

In the Yaroslavl region, order No. 20-11 provides a large family with 56 thousand rubles, in the Astrakhan and Vladimir regions (according to laws No. 85/2016-OZ and No. 127-OZ) - about 57 thousand rubles, in the Trans-Baikal Territory (law No. 107-ZZK ) — 63,515 rubles. In other subjects, this amount grows, ranging from 70-75 thousand (in the Volgograd and Kirov regions according to laws No. 246-OD and No. 546-ZO) to 100 thousand (according to the law of the Vologda region No. 3603-OZ).

Amur Region (law No. 446);
Bryansk region (law No. 97-Z);
Irkutsk region (law No. 101-OZ);
Novosibirsk region (law No. 125-OZ);
Nizhny Novgorod region (law No. 130-z);
Pskov region (law No. 1060-OZ);
Samara region (law No. 122-GD);
Saratov region (law No. 212-ZSO);
Tambov region (law No. 11-Z);
Khakassia (law No. 64-ЗРХ);
Chuvashia (presidential decree No. 100).

In addition to the foundation, the house must be provided with a year-round supply of all necessary conditions. The land near it will also be checked. So, according to the law, it should be intended for gardens, but not be used for vegetable gardens and various types of plants.

In addition, the meeting will consider the structure of the house itself: its foundation, walls and other features. In court, you will have to prove that the house is safe to live in and therefore suitable for a child to live in. If the bailiffs make a positive decision, the dacha plot will be considered a residential building, and you will be able to buy the rights to it with the help of maternity capital.

Certificate for receiving family capital;
Documents establishing the right to land;
Construction permit issued by the local government;
Construction contract, if the construction of the house is carried out by a special organization;
Marriage certificate, in the case when the spouse builds a house himself or enters into a contract. And also if the land is his property;
Certificate holder's passport;
Spouse's passport;
An obligation to register the building as the common property of all family members, notarized.

In particular, a document confirming the fact of the creation of a real estate object on a land plot intended for dacha farming or gardening, or the fact of the creation of a garage or other real estate object (if the construction or reconstruction of such a real estate object is not required in accordance with the legislation of the Russian Federation to issue a permit for construction) and containing a description of such a real estate object is a declaration about such a real estate object.

What conditions must be met for a dacha to be recognized as a residential building? Firstly, the dacha or garden plot on which the dacha is located must be located on lands designated “for individual housing construction” (usually within the city) or on lands “for dacha construction” (in dacha non-profit partnerships - DNP). Secondly, the dacha building must be suitable for permanent residence.

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Pay special attention to drafting the purchase and sale agreement. This document can be drawn up by a notary, as well as simply by two countries, without certification. At the same time, it is important to remember that in addition to general justifications, the contract must indicate how you pay for a specific land plot.

the plot must be owned by one of the family members (by inheritance, gift, purchase) or on a long-term lease basis;
location of the land - within the boundaries of the settlement (city, urban-type settlement);
a permit is issued for the construction of a residential building;
availability of nearby communications;
guarantee of receipt of the commissioning certificate.

to improve the quality of existing housing (through redevelopment, expansion, replacement of communications, sanitary equipment, windows, doors, floors);
increasing the mother's part of the funded pension;
payment for the education of any child (in a higher educational institution, dormitory, private kindergarten);
to pay the mortgage fee;
means of technical rehabilitation of a disabled child (wheelchairs, prostheses, orthoses, orthopedic shoes, seating devices, etc.)

2) for the construction, reconstruction of an individual housing construction project or a garden or residential building located on a garden plot of land, carried out by citizens without the involvement of an organization carrying out the construction (reconstruction) of an individual housing construction project or a garden or residential building located on a garden plot of land, in including under a construction contract, by transferring the specified funds to the bank account of the person who received the certificate.

Is it possible to spend maternity capital on repairs and reconstruction of a house or apartment?

An application for receiving funds is considered by the Pension Fund within one month from the date of receipt of documents. If the payment is approved, the funds are transferred to the certificate owner's account in several payments. The first family will receive at the beginning of the reconstruction process (50% of the requested amount). The second is transferred no earlier than after 6 months, subject to the provision of a certificate of completion of the main work to the Pension Fund.

The building must belong to the family as private property.
The child whose birth gave the right to receive a certificate is three years old (with the exception of the use of credit funds).
There is less than 18 square meters of living space per family member.
The work is carried out by the home owners themselves, without the involvement of a construction team.
The building must be suitable for habitation.
The house was built legally, without violations of current legislation.

How is home reconstruction different from renovation?

The government strives in every possible way to support families in which children are born and grow up. One of the assistance measures is the provision of maternity capital (hereinafter referred to as MK). In 2020, certain changes appeared in this area.

What is the latest news, and what is the family entitled to for the 3rd child? Many compatriots believe that the appearance of a third child in the family gives her the right to receive an amount of one and a half million rubles, but this is not so. In all other situations, maternity capital is not provided to biological parents, guardians/trustees, or children. The bill adopted on this issue was repealed in 2020.

In 2020, the exact value of the MK is 453,026 rubles. This amount is subject to indexation annually, so it increases by several percent.

Considering this value in dynamics, we can note the following: According to expert forecasts, in 2020 there will be an indexation of 3.8% with inflation of 4.3%, and in 2021 – by 4% with inflation of 3.8%.

In 2020, as before, there are several areas for spending maternity capital funds: In 2020, there will be no significant changes in this program.

The conditions for receiving and using funds will remain the same. Federal Law No. 390 “On Reducing the Time for Making a Decision...” was created.

In accordance with it, the issuance period will be 15 days from the date of registration of the application. Another innovation is the beginning of Federal Law No. 217 dated.

Within the framework of this norm, the concept of “dacha” appears, as well as the possibility of building a residential building on a garden plot at the expense of MK funds.
The lack of actual innovations in 2020 is due to the fact that most of the changes were introduced in 2020: The MK was extended until 2021.
The launch of the mortgage subsidy program plays an important role.
Maternity capital is far from the only measure of support for families with children.
Citizens have the right to receive appropriate benefits related to pregnancy, childbirth, and child care up to one and a half, three years.
Along with this, payments of a regional nature are valid, which vary depending on the specific locality, as well as the region, republic, and region of residence of the family.
Since the beginning of 2020, in connection with the president’s initiative, several measures of social support for large families have been applied.
The requirements for a candidate for maternity capital for a third child are no different from the conditions developed for receiving funds for a second.
The first thing you need to do is submit a corresponding application to the Pension Fund.
You can act in one of the following ways: When submitting documentation in electronic form, over the next five days you must personally bring the missing papers to the Pension Fund.
To receive a personalized certificate and not face a refusal, you need to prepare in advance and then present the following papers: A final decision on the application will be made within 15 days.
This period was halved within the framework of Federal Law No. 390 dated.
Within 5 days from this moment, the Pension Fund will send a corresponding notification to the applicant with satisfaction or refusal.
In most Russian regions, parents have the right to register not only state (federal) maternity capital, but regional one.
The conditions under which registration and receipt occur, as well as the amount of social assistance, are regulated by local legislation.
However, as already noted, in almost all autonomous entities, payments begin only upon the birth of the 3rd and each subsequent child.

The exact size of the regional MK depends on the capabilities of the local budget, so the amounts are different: All aspects are regulated by local legislation. In regions with less social support, growth occurred by only 12.9%.

The statistics are that in regions where maternity capital is higher (from 150,000 rubles), the birth rate is higher. Thus, in 2019, changes occurred, but they were few and insignificant.

The amount of maternity capital remained the same as in previous years.

But the waiting time has been reduced, and instead of a month you can get MK in 15 days.

Improving living conditions means purchasing a new apartment or house, building an individual residential building, constructing an extension to expand living space, and repaying a loan issued for the purpose of purchasing housing. In all the mentioned cases, either a new residential property is purchased, or the technical characteristics of previously purchased/previously built housing are changed.

Renovation is, it would seem, also an improvement of an apartment/house, since living in a renovated room becomes more convenient, cozy, and sometimes safer. However, the authorities considered that repairs should not be included in the list of targeted funds. Another thing is that many people mean by the words “home renovation” the reconstruction of a building. And you are allowed to spend money on reconstruction.

Since 2010, there has been an amendment to the law on maternity capital that allows the certificate holder to reconstruct a house. Reconstruction must involve an increase in living space - this is a prerequisite. Only if the house is enlarged can reconstruction be considered an improvement in living conditions.

In this case, reconstruction does not mean the construction of a new individual house, but the carrying out of serious work that is carried out with the aim of changing the technical characteristics of a previously built house, and which must be agreed upon in advance with the authorized bodies. As has already become clear, the renovation of the apartment could not meet the given conditions. Reconstructions are of the following types:

converting the attic into an attic (this creates additional space for equipping the living room);
construction of an extension to an existing house;
other construction work, as a result of which the area of housing is increased (with the coordination of the work with the administration).

Pension Fund experts receive a lot of questions about in what cases maternity capital funds can be paid for housing reconstruction. To figure out for yourself whether the PFR consultant’s answer will be positive, you should pay attention to 2 points:

Maternal capital funds are never allocated for any reconstruction of an apartment - according to the law, only payment for the reconstruction of a private house is permissible.
The reconstruction of the house must be carried out with the aim of increasing the living space by at least 18 sq.m. This could be the construction of an extension or the conversion of an attic (non-residential) into an attic (residential).

Question No. 1: How to confirm with the Pension Fund that as a result of the reconstruction of a residential building, its area was increased by 18 square meters?

Answer: It is necessary to draw up an act, for which you should contact the town planning and architecture authorities at the administration of the locality.

Question No. 2: Will maternity capital be paid for the reconstruction of a residential building, the area of which has been increased by 18 sq.m., if there was sufficient living space per family member before the reconstruction?

Answer: Yes, the funds will be paid. The law does not establish a limitation on the basis that the housing area was sufficient to accommodate all family members before reconstruction.

In the context of the issue under consideration, it is worth understanding that repair and reconstruction are different concepts.

At the same time, the law provides for the reconstruction of housing using maternity capital. It involves carrying out certain work that entails increasing the size of the existing living space. In different regions, the standards by which living space can be increased are different. They are set by local authorities.

additional floor,
vestibule,
attics and so on.

More on the topic The Pension Fund has proposed changing the mechanism for paying funded pensions from 2020.
Many are interested in whether it is possible to cover the roof on maternity capital. Although such work will significantly improve the living conditions of the family, as well as sewerage, water supply and much more, they fall under the category of repairs, and therefore cannot be carried out at the expense of maternal capital.

Reconstruction of a private house for maternity capital

Reconstruction is possible. Many people are stopped by the fact that they do not see the difference between repair and reconstruction. Technical difficulties aside, it is important to remember that during reconstruction the usable area will increase, but during repair it will remain the same.

Documents can also be submitted for the reconstruction of a house share using maternity capital. If there are co-owners who are not family members, they must provide notarized consent.

10 Jun 2020 lawurist7 307

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How to use maternity capital to build a house without waiting 3 years

Parents have the right to contact the Pension Fund of the Russian Federation and declare the need to repay the housing loan with capital. In this way, the possibility of directing finance to build a house before the deadline is realized, but you will have to act according to a non-standard scheme.

Thus, the opportunity to use the certificate is provided to solvent persons if the bank provides them with credit funds for the construction of a private house, regardless of whether the housing will be built on their own or by a construction organization.

26 Apr 2020 glavurist 211

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