Property tax deduction for building a house. Compensation from maternity capital for a built house Repayment for a built house from maternity capital

Family expenses for the purchase or construction of housing can be significantly higher than the amount of capital. In this case, payment of expenses can be made partially from one’s own savings or a loan from a banking institution.

Compensation for the cost of building a house with maternity capital will be carried out by pension fund institutions at the place of actual residence of citizens. When applying for payment, you must take into account the following rules of Law No. 256-FZ:

• maternity capital funds are transferred from the budget in non-cash form, while stage-by-stage payment is allowed - 50% at the initial stage of development, and the balance - after providing reporting documents on the expenses incurred;
• the amount can be used by the family partially or in full, based on the actual expenses incurred;
• the basis for the allocation of funds will be the estimate documentation, as well as payment documents confirming expenses.

To receive compensation for building a house with maternal capital, you must confirm the legality of this work. For example, if a family unauthorizedly erects a residential building without obtaining a building permit, it will be impossible to receive funds.

Let's consider the order in which maternity capital funds are paid for the construction of a house, and how citizens can confirm their costs for the work.

Compensation for house construction with maternity capital

The right to apply for maternal capital funds for the construction of a private house begins from the moment the pension institution issues a certificate. Although even at the stage of drawing up this document, the pension fund department checks the grounds for participation in the program, when applying for funds to build a house you will need to re-confirm them.
It will be impossible to apply for money in the following cases:

• citizens have already fully used maternity capital funds in other areas (for example, to purchase an apartment);
• applicants are deprived of parental rights (in this case, legal representatives or authorized federal services will have the right to dispose of maternal capital in the interests of children);
• parents were prosecuted for crimes against their children (for example, battery).

Pension fund officials check these circumstances when receiving an application for payment of funds from the budget.

Compensation for the construction of a house with maternity capital in 2017 is carried out on the basis of an application from the certificate holder. As a rule, the document is issued in the name of the child’s mother, who will have to write an application on behalf of all family members. To receive compensation for building a house with maternal capital, you need to provide the following documents:

• a completed application form indicating family composition;
• original certificate for maternal capital;
• general passports and birth certificates of children;
• a building permit issued by the local authorities valid at the time of completion of the work;
• title documents for a plot for which the permitted type of use is the construction of a private house (certificate of title, extract from the state real estate register, lease agreement, etc.);
• estimate documentation for each stage of construction work (the estimate can be prepared either by a contractor or by third-party companies if the construction is carried out by the family itself);
• contract agreement;
• payment documents confirming the costs of purchasing construction materials, paying employees, etc.;
• act of approval of completed work, act of putting the house into operation;
• technical plan of the house;
• details of the bank account to which the maternity capital funds should be transferred.

Since receiving half of the capital funds is possible before the actual completion of the construction of the house, upon initial application you must submit a construction permit and documents for the land plot. The family will receive the rest of the maternity capital after confirming actual expenses and submitting evidence of completion of construction.

The main problems that arise when receiving compensation for building a house with maternal capital are related to confirming the actual costs of the work. It must be taken into account that the purchase of any building materials indicated in the estimate must be properly confirmed by sales receipts, payment receipts and other payment forms. If the construction was carried out by a contractor, the estimate will be checked for compliance with the work completion certificate.

No more than two months are given for verification from the moment citizens apply to the pension fund. After a positive conclusion is made, funds are transferred no later than two weeks to the details specified during the application. A refusal to transfer funds may be made if citizens have submitted inadequate documents on financial expenses incurred.

After the construction of the house is completed, it must be registered as the property of all family members. To do this, an extract from the state register of real estate or a notarial undertaking to draw up this document within six months is submitted to the pension fund institution.

If you have any questions or difficulties in obtaining compensation for building a house with maternity capital, please contact our lawyers. State your situation using our 24-hour toll-free line or online chat on our website. We will help you prepare all the necessary documents to receive payments under the maternity capital program.

In Russia, for the birth of a second child (or a subsequent one, if payments were not received after the birth of the second baby), the family is entitled to a significant amount of money - maternal (family) capital. It is possible to receive funds under the certificate only for certain purposes, the main one of which is improving living conditions. However, you can spend money not only on buying a home - when the house is already built, you can receive compensation for maternity capital.

What is maternity capital

Maternity (family) capital is a payment from the state budget designed for families raising two or more natural or adopted children. To be able to spend the funds, you will have to wait until the child whose arrival in the family gives the right to payment is three years old. But such a requirement is not always made; we’ll talk about this later.

The government also foresaw that families with children may have unplanned expenses, and therefore some types of expenses can be compensated from maternity capital funds. So, one of the options for the intended use of the certificate is compensation from family capital for the construction of a private house.

The construction of a house means not only the construction of a cottage from scratch, but also the reconstruction of existing housing with the aim of constructing an extension and expanding the living space.

Who can be provided with compensation for maternity capital for the cost of building a house?

The categories of citizens listed below can use maternity capital to compensate for the costs of constructing a residential building:

• a woman with Russian citizenship who issued a certificate after the birth or adoption of the second child in the family;
• a man with Russian citizenship who has a certificate for family capital from the moment of birth or adoption of two or more children;
• a man, regardless of citizenship, who acquired the right to receive money under a maternity capital certificate after the mother of the children lost the right to payment;
• a minor child (or a child under the age of 23 if he is studying full-time at a university) who received a certificate instead of parents deprived of the right to receive payment.

Conditions under which compensation for maternity capital is provided for the cost of building a house

Compensation from family capital can only be received if the family’s living conditions improve. The law includes such cases:

• construction of a residential building by family members without paying third parties after the birth of a child in the family and before the birth of a child, if this happened later than 2007;
• building a cottage on your own using workers after the birth of a child in the family or before his birth, if this happened after 2007;
• construction of a residential building by a team of workers with the involvement of a contractor after the birth of a child to the parents or before that, if the event took place later than 2007;
• reconstruction of previously built housing with an increase in its area on its own or through a contractor after the spouses have a child or earlier, if this happened after 2007.

How much compensation is paid for maternity capital for construction costs?

The maximum amount of compensation is limited by the amount of maternity capital for the year of application for payment. If the cost of building or renovating a house turns out to be less than the amount of family capital, the actual share of the costs will be reimbursed. If the family has spent more than is expected to be paid under the certificate, the remaining amount will not be compensated.

It was assumed that maternity capital would be indexed annually due to increased inflation. However, indexing was carried out only twice. To date, the payment amount is 453,026 rubles, and there are no plans to increase the amount in the near future. In addition, the payment may be completely canceled after 2018.

How is compensation for maternity capital processed for house construction costs?

The condition for providing compensation for the construction of a house from maternity capital is the registration of the constructed cottage for all family members so that everyone gets their share in the common property.

There is a procedure established by law for receiving the compensation amount, which must be followed. First of all, you need to go to the Pension Fund at your place of permanent residence or actual location and obtain a list of documents necessary for consideration of the case.

Next, you should prepare the requested papers, write an application for compensation and give it all to the Pension Fund specialists. A specially organized commission will examine the documents and make a decision on whether to provide compensation or to refuse payment. Often, a request for data verification is sent to the Ministry of Internal Affairs - this is due to the increasing number of cases of attempts to cash out maternity capital.

If the decision is made in favor of the applicants, the payment will go to the account of the mother or father of the family 14-28 days after submitting the papers.

What documents are needed to receive compensation for maternity capital for the cost of building a house?

Despite the fact that at the stage of issuing a capital certificate, the family will need an impressive set of documents, they will also have to prepare a separate set of papers to receive compensation. It includes:

• application for compensation from family capital;
• passports of family members;
• bank account details for transferring funds;
• obligation to register the house as shared ownership for all family members;
• document on ownership of the house;
• document on ownership of the land plot;
• a document on the right to perpetual use of a plot of land or a certificate for renting land for individual housing construction;
• document on the right to permanent use of land.

Legislative acts on the topic

Common mistakes

Error: The family hired a contractor to build a house and did not check the documents allowing him to engage in this type of activity. Then the family applied for compensation from maternity capital funds.

the federal law dated December 29, 2006 No. 256-FZ in Art. 10 clause 1.3 gives the right to citizens who have received a certificate for maternity capital to use the amount provided for it 453026 rub. to improve your living conditions (in whole or in parts).

In addition to using maternity capital funds, it is possible to receive compensation for an already built (reconstructed) residential building. At the same time, they exist for a constructed or reconstructed individual housing construction project (hereinafter referred to as individual housing construction), as well as the land plot on which it is built.

A person entitled to compensation from maternity capital funds must prepare a package of documents, confirm the fact of construction or reconstruction of an individual housing construction project, after receiving the family’s funds and determining the size of the shares.

Requirements for house and land to receive compensation

Maternity capital can be used not only to purchase new housing, but also to receive compensation for an already built (reconstructed) individual housing construction project. To do this, this object and the land plot on which the construction (reconstruction) of the individual housing construction project was carried out must meet a number of requirements:

1. The site on which the individual housing construction project is built must be located on the territory of the Russian Federation.
2. This site should be intended for individual housing construction.
3. The plot must be owned by a person or his spouse, in permanent (perpetual) use, in lifelong inheritable possession, in lease or in free use.

   If the plot is provided to the person who received the certificate or his spouse under an agreement for gratuitous fixed-term use, it is necessary to obtain consent for the construction of a residential building from the owner of the land plot.

4. The person receiving the certificate or his or her spouse must have title to the residential building. The house must be built or reconstructed in accordance with the building permit no earlier than January 1, 2007.

If the construction or reconstruction of an individual housing construction project was carried out with the involvement of a construction organization, then compensation is not provided.

A structure in which the foundation, walls, and roof have been erected is considered constructed. The local government authority at the location of the residential building has established accounting rate for increasing total living space individual housing construction object. During reconstruction, the increase in living space must be equal to or greater than this norm.

How to receive compensation from maternity capital for construction

Confirmation of work on the reconstruction of a house for the Pension Fund occurs as follows:

1. The inspection report is issued after written statements person (or his representative) who received a certificate for mat. capital.
2. The organization that issued the construction permit, based on the application in the presence of the certificate holder, inspects the housing structure and within ten days draws up and issues a report.
3. In the case of unfinished reconstruction, or an increase in the area of ​​the dwelling less than the accounting norm, a certificate confirming the construction work will not be issued.

The person who received the certificate or his spouse have the right to go to court and appeal this decision or eliminate the reasons for the refusal and re-apply.

Registration of the house as the common property of the family after receiving the money

After six months after the transfer of maternity capital funds to the Pension Fund, in accordance with a written obligation, the individual housing construction project is registered into common ownership the whole family, the size of the shares is determined by agreement (Part 4 of Article 10 of December 29, 2006 No. 256-FZ “On additional measures of state support for families with children”).

Registration of a home into common ownership occurs as follows:

1. When drawing up a notarial undertaking parents themselves determine the size of shares property for each child;
2. Choose method of fulfilling obligations to allocate shares: by means of a gift agreement or by agreement on the determination of shares;
3. Drawed up and signed documents on the transfer of shares in ownership;
4. State registration of transfer of ownership children in Rosreestr when allocating shares.

A written obligation to register an individual housing construction project as common property is issued for all family members. Despite this, only children are taken into account formalized relationship with parents: motherhood, fatherhood or adopted children.

Conclusion

The policy of the Russian government is aimed at improving the demographic situation in the country and supporting children and their families. A measure to help increase the birth rate is to provide families with more than one child with maternity capital.

Receiving compensation from maternity capital for an already built or reconstructed house allows parents to raise their children in comfortable new housing and ensures, in accordance with current legislation, the right of each child to their share of living space.

According to the provisions of the Tax Code of the Russian Federation, citizens of the country have the right to reimbursement of costs when purchasing a home not only when purchasing finished residential real estate, but also when carrying out construction work on a plot of land. Applying for compensation is possible for the construction of housing directly from the owner’s personal funds, and when taking a targeted loan from credit institutions to cover paid bank interest. In this material, we look in detail at how to get a tax deduction when building a house, talk about what expenses you can claim for compensation, and discuss important points.

Situations in which you can claim a refund during construction

Table 1.Situations when you can apply for a personal income tax refund

If you purchased a plot of land and built a country house on it suitable for habitation, and then went through the registration procedure as a structure suitable for habitation, but did not provide the opportunity to register in it, you would not be able to apply for state compensation.

You can learn more about the deduction for the purchase of land from ours. Let's consider what amount you can expect, the circumstances of the return, and also in what timeframe it is possible to receive a deduction.

And if, under an official agreement on the sale and purchase of an object, you bought an unfinished three-story cottage, and after the purchase completed the construction and registered it as your property, you can claim a refund not only of the funds spent on the purchase, but also for the completion of the object under construction and its finishing.

List of expenses included in the list available for reimbursement

According to the letter of the law, there is a list of certain expenses during the construction of a residential property, for which you can apply for partial reimbursement. All of them are presented in Article 220 of the country’s main set of rules governing tax legal relations.

Among them:

• costs aimed at purchasing a plot of land for subsequent construction of housing;
• funds given for the purchase of a plot of land with an unfinished building standing on it, which is meant to be a residential building upon completion of construction work;
• costs of purchasing materials for the construction of a residential property, as well as the necessary finishing elements;
• funds spent on the preparation of design and estimate documentation;
• money given for the installation and connection of utility networks and other communication systems to the building.

Note! A verbal description of costs is not a sufficient basis for receiving money. To return funds, you must provide documentary evidence of expenses incurred, in the form of checks or receipts.

List of expenses that are not grounds for refund of contributions

Now let's look at the list of expenses for which you can apply for funds from the state:

• when spending money on reconstruction and other improvements to an already built and registered house;
• when carrying out redevelopment in a finished house;
• when installing necessary equipment, such as a toilet, bath or shower, electric, gas heating boiler, etc.;
• if extensions and utility compartments, as well as any other separate objects, such as a bathhouse or garage, were built on the site.

Let's give an example. You built a cottage on your own land, and then installed a brick garage and a wooden bathhouse. You do not have the right to add the last two objects to the list of expenses eligible for compensation, since according to the law only funds spent on the construction of a residential property (house) and finishing work in it are included there.

Emergence of the right to receive state compensation for construction costs

A citizen has the right to demand monetary compensation for the costs of a house he built himself when he registers it as residential property. To prove that the taxpayer has successfully completed the registration procedure, it is necessary to provide the relevant structures with a certificate from the Unified State Register of Real Estate.

It turns out that if you built a cottage on your plot in 2014, then you have the right to apply to the Federal Tax Service for compensation of funds in 2015.

Let's give an example. You started the process of constructing a residential building at the beginning of 2012, and completed its construction in mid-2014. Registration of the constructed cottage as a property and entry into the Unified State Register of Real Estate took place in 2015; it turns out that you can apply to the authorities for the return of some of the funds only after 2016.

At the same time, filing for the next year after the registration procedure period is not mandatory; you still have time, since you can submit papers to receive a deduction for the past 36 months.

Let's give an example. In 2013, you built a cottage on your site and went through the procedure of registering ownership. In 2013 and 2014, you were not officially employed, and only in 2015 did you get a job with a “white” salary and an employment contract. It turns out that you can activate your income tax refund only in 2016 and receive all payments for 2015. At the same time, the amount due to you that has not been issued in full will be carried over to subsequent years.

If you already have a certificate from the Unified State Register of Real Estate in your hands and you don’t want to wait until the end of the year, then apply for funds at your place of work. Yes, you will not receive a single payment, but you will gradually return 13% of your salary every month until the entire amount due to you is paid.

What documents do you need to have to process a refund?

To apply for a property deduction in accordance with the rules required by law, you must submit the following papers to the tax office:

1. Certificate with information about the constructed housing from the Unified State Register of Real Estate.
2. Declaration form 3-NDFL, filled out by the payer independently.
3. Photocopies of payment documents and other documents indicating the occurrence of costs. They can exist in the form:
   1. copies of contracts concluded with individuals or receipts from them, indicating passport data and details;
   2. copies of contracts concluded with construction companies, payment orders, etc.;
   3. sales receipts for payment for materials used during construction and finishing work;
   4. a statement written by the property owner in which he requests a deduction;
   5. certificate from the accounting department at the place of work 2-NDFL;
   6. photocopies of all pages of the passport.
4. If a citizen receives a deduction to cover interest on a targeted loan taken from a credit institution for the construction of a residential building, he must provide:
   1. agreement between the bank and the borrower;
   2. certificate of payment of interest to the bank.

Don't know how to fill out forms? You can familiarize yourself with these topics on our portal. Step-by-step instructions, sample forms, and how to avoid basic mistakes when filling out a declaration.

Video - Complete package for tax deductions

Maximum amount available for receipt

The amount of compensation from the state issued for the construction or completion of a residential building on a land plot is determined according to the standard scheme for property deductions, that is, in the same way as for other types of property.

The maximum you can return is no more than 13% of the total amount of costs incurred during the construction of the object, and it is not allowed to exceed the amount of 2,000,000 rubles.

Every year you have the right to return an amount not exceeding the total funds deducted from your income to the country's budget at the same time. If you do not receive the money in full within the specified time, then the remaining amount is transferred to payment for the next 12 months and so on until all the money in the due amount is returned.

Let's give an example. In 2014, you built a house on the site for further living in it. The total funds spent on the construction procedure and finishing work amounted to 10,000,000 rubles. You have the right to a tax refund based on covering costs in the amount of no more than 2 million rubles of the amount. However, since you are married, your husband can also claim a return of funds in the amount of 13% of two million, and it turns out that out of 10 million only four will be compensated.

If you took out a mortgage and built a house not in 2014, but in 2013, then you can repay all the interest paid in full, without restrictions, since such restrictions came into force only in 2014, from the first day of January.

If, as in the problem above, the house was purchased in 2014, then you can get a maximum of 13% of 3,000,000 rubles to cover interest, that is, 390,000 rubles.

You have the right to receive compensation for credit interest only if the house was registered as housing with the right to register in it. Among other things, you have the right to submit a deduction also for expenses incurred during construction, and not just for mortgage interest.

Is it possible to include expenses incurred after registering real estate in the list of expenses?

Very often, finishing work and expenses for the purchase of materials continue to occur for quite some time before receiving an extract from the Unified State Register of Taxpayers. Therefore, the question arises, is it possible to include them in the list of tax refund costs, and also, is it possible to change the amount required for deduction after it has already been declared once?

The Federal Tax Service of Russia decided that the answer to the question of including these funds in the list will be positive, in addition, even if the deduction had already been provided at the time of their inclusion, the amount can still be changed and the balance can be obtained. In this case, a change in the amount will only be possible by the amount of current costs.

Let's give an example. In 2014, you independently built a two-story house on a plot of land and registered it as your residential property, while construction costs amounted to one and a half million rubles. In 2015, you submit a declaration for the past year to the authorities and receive a refund. In the same year, you carry out additional finishing work on the house for another half a million, it turns out that in 2016 you will be able to submit another declaration to the authorities, already for 2015, thanks to which you will claim the full amount of 2 million for deduction and receive the missing 13% from 200 thousand rubles.

Let's sum it up

As you can see, the refund of property deductions due to the construction of a residential building on a land plot is made according to a standard scheme, similar to all types of similar real estate. To receive it, you also need to collect a standard package of documents and submit them to the tax office at your place of residence. We wish you success in receiving state compensation and in carrying out construction work!

According to federal law, families with two or more children can count on government support. They are provided with compensation for the construction of a house using maternity capital. Moreover, they can use the funds not only for a new house, but also for an already built one (if it needs reconstruction). However, some requirements must be met. A person who wishes to receive compensation must prepare a number of documents. They indicate the fact of reconstruction and construction of an individual housing construction project.

A number of citizens are entitled to receive compensation from maternity capital:

• A child whose age does not exceed 18-23 years, if his representatives by law do not have the right to receive funds, and he is studying full-time at a university;
• A man, a citizen of the Russian Federation, who has a certificate due to the fact that he adopted 2 or more children, or 2 children were born in his family;
• A woman, a citizen of the Russian Federation, who gave birth to or adopted 2 or more children, is also entitled to receive compensation for the construction of an apartment with maternity capital;
• A man, a citizen of any country, who has received the right to payments due to the fact that the certificate was deprived of the mother of the child.

For a constructed facility, compensation from maternity capital is given in the following cases:

• If it was built before or after the baby was born with the involvement of contractors before 2007;
• If it was self-built for a family since 2007;
• If it was built with the involvement of organizations starting in 2007;
• The housing has been reconstructed independently or with the help of a contractor since 2007.

In this case, it is extremely important to present a document that will say that the construction and reconstruction work was carried out specifically for the family.

Requirements for the house and land

Compensation of costs with maternity capital is possible in various options. It is best that the building is completed, or that its construction is nearing completion. It must also meet the following rules:

• Have state registration;
• Be connected to all communications (light, water supply, heating);
• Have an individual address;
• It is important to be able to register at the address;
• There must be documents for the apartment confirming its area, sanitation standards, and safety;
• Housing must be isolated and suitable for year-round living.

Compensation for construction will only be possible if the site meets the requirements. It must be located in the DNP or on the territory of the individual housing construction.

You can receive additional payments at the regional level. In particular, this is permitted in the following areas:

• Kalmykia;
• Oryol Region;
• Ivanovo region;
• Leningrad region. etc.

Regional supplements, as a rule, are due to those people who have a third child born or adopted into their family.

Compensation amount

Payments to compensate for the costs of building a house may vary. It all depends on how much money was invested in the construction of the building. It is clear that an amount equal to 453 thousand rubles, which is exactly the amount of maternity capital, is not enough to build an apartment from scratch to the finishing stage. But the amount presented should be enough for basic materials. If the structure has already been erected, you can receive funds for the already constructed object. Payments are also provided to those who seek to increase the area of ​​the building, for example, to equip another floor. Reconstruction of a home is the same as construction. The only problem is collecting documents. They must be provided to the pension fund in full. Only then will maternity capital be transferred.

If the child is under 3 years old, it will not be possible to use public funds for construction. However, you can use them for credit. If one of the spouses already had a loan for the construction of a building, a mortgage, etc., he can use the money for:

• Payment of the down payment;
• Payment of principal or interest.

The main condition is that the loan must be targeted. If the construction of an individual housing construction project is carried out with the participation of a contractor, you must provide the Pension Fund with a construction contract. Then the entire amount of maternity capital will be transferred immediately to the organization’s account.

Required documents to receive compensation

To receive payments for maternity capital in the form of compensation, you need to submit an application and some documents to the Pension Fund:

• SNILS;
• Certificate of registration of rights to the land on which construction was carried out;
• Passport with registration;
• A copy of the building registration received from Rosreestr;
• Bank details (obtained from the bank);
• Certificate or duplicate.

You can not count on payments in two cases - the house was built before 2007, or it was reconstructed after the presented date. It does not matter when the right to property was registered. Another nuance - if the object at the time of construction is the property of only one of the parents, it will have to be made shared within six months. If you intend to receive a refund for reconstruction, you will need to bring an act that records the fact of the repair. It can be obtained from the organization that authorized construction work.

First you have to come there and write an application. Then she goes to the place, inspects the housing, draws up a report within ten days and issues it. If the organization does not like something, it will refuse to issue the certificate. But you can appeal this decision by going to court. In addition, it will be possible to eliminate the shortcomings and then apply for the act again.

Features of receiving compensation for reconstruction

Compensation for a constructed object is due if the goal is to increase the total area of ​​the building by no less than the accounting standard for housing. Only in this option can you claim funds from maternity capital. Housing standards vary across the country and are set by specific authorities. Important point! Reconstruct in 2017-2018. Only individual residential units are permitted. However, contacting construction organizations is prohibited. Only the building owners themselves, their friends and relatives can carry out expansion.

But there is an exception to the rule - if the apartment is located in a two-apartment one-story building, its reconstruction can be carried out with the participation of third-party organizations. You can expand the area of ​​the building in different ways:

• Complete the vestibule;
• Make another floor;
• Add an attic, etc.

However, you can also receive payments for some actions that do not expand the area of ​​the building. For example, this is bringing gas into a building. It is possible to improve the attic if it is in poor condition. If after reconstruction the family uses it, they can also receive compensation for expenses. The state does not allocate funds for repairs. Even the regulations on maternity capital indicate that it can be spent on the reconstruction of the building. Repair is not reconstruction. It also does not include:

• Water pipeline drilling;
• Sewerage installation;
• Installation of windows, etc.

The presented works make family life more comfortable, but they do not increase the living space of the apartment. To the amount allocated according to the certificate, she can add as much money as she sees fit. Money will be transferred to her only if there is less than 18 m² of space per family member. If there is more than 18 m² per member, the state may not provide money for reconstruction. The pension fund will say that there are no good reasons.

Procedure for registration of shared ownership

Housing built using maternal capital becomes common family property. Each family member receives shares. To register ownership rights and gain the right to dispose of capital, you must obtain a special commitment from a notary. To do this, you will have to pay a state fee - about 500 rubles, as well as pay for the services of drafting the text of the obligation. The total cost will be about one and a half thousand rubles. To receive benefits for the construction of a facility from maternity capital, having issued an obligation, you will need the following documents:

• Marriage certificate;
• Documents for the purchase of real estate;
• Certificate for maternal capital;
• Passport.

Shares must be allocated within 6 months. However, sometimes the funds are used to pay off part of the apartment. In this case, if a loan or mortgage is taken out, the transfer of property to the children can be carried out after the mortgage is repaid. If the goal is not to build an object, but to improve it, the allocation of shares to family members can be done:

• When involving a third-party construction organization - up to 6 months after the cadastral passport was received;
• If the funds were used to pay off the loan - within 6 months;
• If the payments were used to pay for the agreement of participation in shared construction - within six months after signing the transfer act;
• If the funds were used to pay for the construction of an individual housing construction project built with the participation of a construction organization - within 6 months after its commissioning.

Thus, every family with more than two children can receive support from the state in the form of maternity capital. You can spend it on the construction or reconstruction of housing. However, in order for payments to be received, a number of conditions prescribed by law must be met.

You may be interested in other articles on this topic:

Law on maternity capital for buying a car: pros and cons Is it possible to get maternity capital for twins during the first birth?