We use maternity capital for the purchase of housing
The decision is excellent, including because the other ways to legally use public funds provided to families who decide to have a second child are very far away in time. The costs of educating your child or raising your own retirement savings of the mother are somewhere beyond the horizon of consciousness and the limits of inflationary expectations. Buy at least a small part of the house - a real embodiment of the dreams of many young families. What we have initially:
- in the draft federal budget for 2015 provides for indexation of payments of parent capital by 5.5% to 453 thousand rubles;to build or buy a house for such money is difficult, but as an important help in such a facility will not be superfluous;
- receipt of financing in case of concluding a contract of sale of a house by certificate from the Pension Fund of the Russian Federation is simplified as much as possible: it is enough to provide a standard set of documents, which we will discuss below;
- the received money will begin to work instantly, getting quite real outlines of new habitation, to buy the house in ten years will be much more difficult and more expensive.
Such state support should be used, since the RF Ministry of Economic Development proposals for optimizing the budget can work at any moment and the curtailment of the maternity capital repayment program in 2015 - 2017 can become a legislative norm.
How to issue a deal for the sale and purchase of a house
The scheme for using any financial means to purchase real estate and legal documents for such contracts remains practically unchanged. It is necessary to present several important papers to the local branch of the Pension Fund of the Russian Federation.
- A copy( original may also require initial registration) of a contract for the purchase and sale of a residential house( you can buy real estate for this purpose only from partial financing from a parent company).The form of registration of the contract( installment, credit, mortgage) does not play a special role, because you will decide on your own further relations with the developer or seller after the transfer of money. The state does not bear responsibility for your mistakes.
- Account - a certificate of the seller about the amount of unpaid amount for the transaction. It is possible to buy a house as if to offset state support, if the remaining obligations of the buyer to the seller are met on time and in agreed amounts.
- A notarized written statement, which prescribes to the buyer, i.е.the actual manager of the parent's capital or the proprietary private person, not just buy a house for the whole family, but also within 6( six) months to formalize it in the ownership of all family members.
- A notarized copy of the certificate of transfer of ownership from the former owner to the house, which you and your spouse decided to buy from him as a cozy nest for your children.
It is important to remember that the included state participation apparatus in financing real estate transactions is nothing more than a guarantee for the seller and partial financial support for the buyer. For the first - the possibility of obtaining guaranteed money, for the second - a lifeline in a crisis. In other respects, contractual relations are built according to customary legal norms.
Buy a house with a land plot
Buying a private home without land is absurd. How to buy a plot of land, we have already told on the pages of our site, let's move on to the buildings that are located there. A similar procedure is already perfectly mastered by various real estate agencies, but you decided to go your own way. Remarkably, but consider a few key points:
- all real estate transactions are regulated by Federal Law 122-FZ in the latest edition of July 21, 2014.Obligations and rights of the parties are detailed there, to bring them in the interpretation of 21.07.1997 does not make sense;
- package of documents on land ownership, land surveying, certificate and technical passport for all buildings located on it provided by the seller;
- must be notarized to confirm the absence of encumbrances on the house, which you decided to buy with the patch of land on which it is located;consent of the spouse for sale is also mandatory;
- the contract is registered in FUGRTS, there you can get full information on the history of the house and the owner who decided to sell it;do not hesitate, study.
Pay attention to articles 420, 432 and 558 of the Civil Code of the Russian Federation, or just look through it before you make such a historic acquisition.
