Matcapital is considered a popular form of support from the state. It is prescribed for families in which a second child appears. The baby can be given birth or adopted. Such support is provided in the form of issuing a certificate for 453 thousand rubles. You can use these funds exclusively in non-cash form, as well as only in certain areas. In this case, citizens often think about how to use maternity capital for the reconstruction of the house.
The concept of mothercapital
It is presented by a special program that was developed by the state as a measure to support fertility. Assigned only to families with two or more children. You can issue it immediately after the birth of the child, but it is allowed to use the funds only after three years. An exception will be the situation when the money goes to pay off or arrange a mortgage.
The various possibilities of using these funds are regularly reviewed, but now you can spend them on housing, mother's pension, or children's education. You can cash out only a small amount of funds. All capital is not issued in cash to the holders of the certificate.
What is a reconstruction of a building?
Many people are wondering whether it is possible to direct maternity capital for the reconstruction of the house. Initially, you need to understand this process.
The reconstruction is represented by the process of making qualitative changes in housing, as a result of which it is significantly improved, and this process is certainly accompanied by an increase in the size of real estate. This leads to an improvement in the technical characteristics of the facility. Usually the main goal of such a process is to increase the comfort of operation of the structure.
What is included in the reconstruction?
Reconstruction can be realized by different actions:
- reconstruction of the premises;
- improvement of technical characteristics;
- creation of an extension to the building;
- strengthening the main parts and structures of the structure;
- increase in building area;
- the process of remaking the attic, as a result of which it becomes a full-fledged living room;
- installation of communications or their complete replacement.
Maternity capital for the reconstruction of the house can be issued only on the condition that due to the work performed the area of the object will be increased. Permission will be obtained from the PF if in the existing building less than 18 m falls on one tenant2that is considered a violation of the rules. If these conditions are not met, then using the funds from the state will not work.
What can not be considered a reconstruction?
Certain works cannot be fixed as reconstruction. These include:
- formation of a heating system;
- installation of windows or replacement of these structures;
- creating a well in the area near the house to bring to the structure of the water supply;
- organization of a water supply or water discharge system.
For such work, no capital is assigned, even if there is no water supplied to the structure.
How can a certificate be applied?
Quite often, citizens draw up maternal capital. Reconstruction of a private house at the expense of this support measure can be carried out only after the child for whom the document was issued is three years old.If you want to complete these works as soon as possible, you can do them yourself (for which personal savings are spent), and after three years you can transfer documents confirming the implementation of the procedure to the Pension Fund. Compensation will be paid based on this documentation.
Another option, on the basis of which maternity capital can be used for the reconstruction of the house, involves waiting for the expiration of three years, after which you can get the money and use it.
It is not allowed to repay a loan issued for reconstruction with the funds of this capital, since it can be used exclusively to repay a loan issued for the construction or purchase of housing.
Reconstruction Requirements
Often people want to use maternity capital for such work. Reconstruction of a private house under such conditions should be done by yourself. It is not allowed to involve a contractor or construction crews in the process.
Additionally, the requirements are taken into account:
- under such conditions, half of the allocated funds will be immediately transferred to the citizen's account;
- the remaining funds will be available only after six months, when the main reconstruction works will be carried out;
- for this, official documents must be provided that are submitted to the Pension Fund, and the employees of this institution will come to their place on their own to make sure that the process is being implemented, since the money should really go to change housing;
- if the beneficiary passes the check, then the remaining amount is transferred to the account, with which you can complete the work.
Reconstruction is a major work, but can not be called building a house. Its implementation requires permission from the administration, as well as all actions must comply with construction and sanitary standards, therefore it is not allowed to create a danger to the life of citizens. Thanks to obtaining maternity capital for the reconstruction of the house, you can significantly reduce your costs for this process.
What documents will be required?
Many people plan to use maternity capital for home remodeling. Documents for this are presented in numerous forms, so often there are difficulties with their preparation. First, only half of the amount is issued, therefore, for the initial registration of benefits, you will need:
- a statement in which it is necessary to carefully write down the goals of the reconstruction, as well as indicate how much living space will increase after the implementation of this process;
- certificate issued earlier in the PF;
- passports of mother and father;
- Saint-va on the birth of all children in the family
- certificate of marriage;
- papers confirming that citizens have the right of ownership to a specific territory where the house is located, requiring reconstruction;
- permission to implement the process, which must be obtained at the BTI, the administration of the region, the fire inspectorate, and often at the SES;
- certificate of ownership of the structure itself, in respect of which work will be carried out;
- documents from the bank, which contain the details of the account where the first part of the funds will be transferred.
Parents must also draw up a special document in which they undertake, after carrying out work, to draw up this building not only for themselves, but for all children. Even if maternity capital is used to renovate a home, it is imperative that children become owners of a certain part of this property.
Documents can be brought by yourself or sent by mail, but first you have to certify them with a notary. You can also use the Gosuslug portal to send documentation online.
What papers are needed to offset costs?
After receiving the first part of the funds, it is necessary to proceed to the immediate work, which was planned in advance and indicated in the application. After their implementation, you can get the second part of the maternity capital for the reconstruction of a residential building, which is represented by compensation for the expenses already incurred.
For this, the PF documentation is provided:
- documents on the land and building, in relation to which expensive work was carried out, which led to an increase in its quadrature;
- certificate of registration of the house, in which significant changes were made;
- an act containing information that the work performed is legal;
- an act of the regulatory authorities that conducted the inspection of the building, and it should indicate the absence of any violations, as well as register the real area of the object.
The certificate should already indicate that the building was designed for all family members. It is not allowed to use maternity capital for home renovation without observing this requirement, since if children are not allocated shares, this may become the basis for bringing parents to administrative responsibility, and they will also be required to return all funds received.
When can I get a refusal?
There are certain grounds on which parents may be denied transfer of compensation. Maternity capital for the reconstruction of a house on its own is not provided in those situations if:
- parents were deprived or restricted of their rights to children;
- not all necessary papers have been transferred;
- by decision of the guardianship authorities, parents cannot live together with the kids;
- previously used funds matkapital for other purposes;
- PF employees identify inconsistency of information in the documentation submitted for consideration with real data or other documents;
- the child for whom the certificate was issued has not yet reached the age of three.
With the elimination of some violations, you can further count on compensation. To obtain information about what kind of documentation is required from citizens, it is advisable to contact the PF department directly.
What other purposes are spent on?
Maternal capital for home renovation is rarely used, since this process is considered complicated due to the need to prepare numerous documents. Also, certificate holders do not always receive approval from the PF.
You can use this support from the state for other purposes:
- purchase or construction of housing, and in certain situations you can even count on the purchase of a room;
- payment for the education of all children in the family, and this includes not only payment for a kindergarten or university, but even the accommodation of children in a hostel for the entire duration of the education;
- increase in mother's pension in the future;
- adaptation of disabled children.
In any case, permission is required for all expenses from the PF. Periodically, the state implements various programs, on the basis of which certificate holders receive small amounts of funds. In all other situations, money is transferred in a non-cash way, so people cannot get it in their hands.
Can I use funds for repairs?
According to the law, it is not allowed to use money on the capital for repair work, since they do not imply an increase in the area of housing, therefore the living conditions of children do not improve.
The use of maternity capital for the reconstruction of the house is allowed only if the size of the premises is changed. This process is allowed in relation to real estate for which the certificate holders have the right of ownership.
It is not allowed to replace or conduct communications even with these means. Different bills are regularly submitted to the State Duma for consideration, thanks to which it is planned to increase the goals for which you can spend money.The opportunity was offered to buy automobiles, carry out repairs or pay utility bills, but they are regularly rejected, since it is considered that such expenses are impractical because they do not affect children in any way. The main purpose of such support from the state is to improve the lives of children.
Is it possible to make a reconstruction in the apartment?
Under certain conditions, reconstruction is allowed in the apartment, if it is located on the top floor of a high-rise building, and the owners have purchased an attic, therefore they plan to make an additional living space in it, which will significantly increase the living area of the object.
But this process requires permission from the administration and other owners of the apartments in the house.
Conclusion
Thus, the capital can be used for the reconstruction of housing. The process is considered to be specific and lengthy, since it is necessary to prepare many documents.
Be sure to need permission from the PF, and funds are issued in two stages, therefore, after receiving the first part of the money, all the planned work must be completed in order to further count on the second part of the compensation. You can get a refusal to provide funds for various reasons, so you need to responsibly approach the preparation of documents.