Rules for using maternity capital for house reconstruction

Maternity capital has been used as a form of support for families with children since 2007; it is a special certificate that guarantees the payment of a certain amount of money. Since then, legislators have continually improved its use and expanded the capabilities of certificate holders.

The legal basis for using capital for the purpose of reconstructing houses is regulated by two government regulations.

Government Resolution No. 937 dated November 27, 2010. According to the document, financial resources can be used for the reconstruction of housing without the involvement of construction organizations (legal entities). Government Resolution No. 141 dated February 14, 2020. The regulatory act allows the transfer of funds under an agreement between a person and a company to an escrow account.

It is important to know! As a result of the reconstruction, the living space should increase; for this, extensions can be made to the house, or the attic can be converted into an attic space. Repair of windows, roofing, etc. is not considered reconstruction and is not paid for from maternity capital funds.

Important changes from 2020

From the very beginning of the program, the subsidy parameters changed only in terms of indexation. If initially the conditions for the use of maternity capital assumed its amount to be 250,000 rubles, then it gradually increased due to indexation. As a result, in 2021 the amount reached 466,000 rubles.

Until the beginning of 2021, maternity capital was provided to families in which a second or subsequent child was born or adopted. As soon as the right to a subsidy has arisen, the family can apply to the Pension Fund and receive the appropriate certificate. Once the child reaches three years of age, the maternity capital can be used to improve living conditions.

Important changes have emerged in 2021. At the initiative of the President of the Russian Federation, subsidies have undergone major changes for the better. Since the beginning of the year, new standards have been introduced:

• Maternity capital is available to families starting with their first child. We are talking about children born from January 1, 2021 inclusive. The amount of the subsidy in this case remains the same;
• if a second or subsequent child is born in this family, the amount of capital increases by 150,000 rubles. If the subsidy was previously received, the family still receives these 150,000. If not, they are added to the 466,000 not previously received;
• if a third child is born in this family, she also receives money from the state - 450,000, which can be used to pay off the mortgage loan.
• the program has been extended until 2026 inclusive.

Acceptance of documents for maternity capital for the first child will begin in the spring of 2021, and the Pension Fund will still be in charge of the matter.

Family capital size in 2022

In 2022, maternity capital is indexed to the inflation rate and is:

Changes in maternity capital by year - table

Improving living conditions with the help of maternity capital

In general, the subsidy can be used for other purposes. For example, for the education of children or transfer funds to the mother’s retirement savings account. But most citizens still use maternity capital to expand their living space or purchase new housing with the addition of their own or mortgage funds.

You can use maternity capital to improve your living conditions as follows:

• purchase of a residential building or apartment;
• construction of a residential building;
• reconstruction of a residential building;
• using funds for full or partial early repayment of an existing mortgage loan;
• use of money to obtain a mortgage loan. Many banks allow you to use maternity capital as a down payment. The property being purchased must be residential.

As you can see, the acquisition of non-residential properties is not provided. If you want to buy a plot of land or a dacha with this money, this is impossible. It is also important that the object of purchase can only be located in Russia.

Documents required for reconstruction

• Completed application form;
• The certificate for family capital itself;
• Original and photocopies of the mother's passport;
• Original and photocopies of father's passport;
• Papers confirming the marriage of the spouses must be submitted if the house is registered in the name of the husband;
• Original and photocopies of papers confirming ownership of the house and the plot on which it is located;
• Original and photocopies of documents confirming that the house needs reconstruction;
• Papers confirming that the owner’s wife has all the necessary property rights to the property;
• A commitment in writing that after receiving a new cadastral policy , the family must re-register ownership of the real estate of all family members;
• A certificate from a banking institution about opening an account.
• The employee may request additional documents. Each regional Pension Fund has its own nuances for receiving funds under a family certificate.

Is it possible to spend maternity capital on renovating an apartment?

According to the law, maternity capital cannot be used for repairs, only for reconstruction of the house. Moreover, due to this action, the area of ​​​​the room should increase, that is, living conditions will improve.

It is almost impossible to direct capital to renovate an apartment in terms of reconstruction; how can you increase the number of square meters in it? Exceptions are apartments on the ground floor, to which a major extension can be built. Of course, everything must be legal and formalized; this is the only way the Pension Fund will allocate funds.

And if we consider whether it is possible to spend maternity capital on home renovation, then this is realistic. Reconstruction with an increase in the area of ​​such an object is easier to do. You can enlarge the house, add a floor. As a result, government money will help make the house bigger.

Installation of gas, sewerage, water supply, heating, installation of windows and doors - all this is not included in the concept of reconstruction.

If you want to use maternal capital for repairs in the form of reconstruction of an apartment or house, be sure to first obtain advice from the Pension Fund, where the certificate for maternal capital was (will be) issued. There they will give a clear legal list of works included in the concept of “reconstruction”.

Ways to expand the area of ​​the house

The expansion of the house is carried out by constructing superstructures or extensions in the form of:

• additional vestibule;
• one more floor;
• attics;
• closed veranda, etc.

The municipality has a special body where this issue can be clarified. That is, to find out whether the planned reconstruction of the house can really be considered its reconstruction. Don't be confused!

State financial assistance should be used exclusively for its intended purpose. The family cannot spend this money on even major repairs carried out in a private house or in their apartment. The use of maternal capital does not include expenditure items such as “repairs”. It is allowed to direct money specifically for reconstruction.

How to withdraw maternity capital to improve housing conditions

First, let's consider the situation that mortgage funds are not raised, that is, the family decided to use a subsidy to purchase real estate. This can be either the purchase of an inexpensive object worth within the capital limit, or the acquisition using one’s own funds or other subsidies provided to the family.

Matkapital can be correlated with all subsidies, for example, together with money under the “Affordable Housing for Young Families” program.

The use of maternity capital to improve housing conditions will proceed as follows:

1. First you need to obtain a certificate for maternity capital. It can be registered with the Pension Fund immediately after the birth of the child and the corresponding right arises. But in general there is no need to rush; you can submit your application much later.
2. Search for real estate. It is imperative to warn the seller that maternal capital will be raised. The fact is that after concluding a deal, he will receive the money only after the Pension Fund has verified the documents, that is, after 1-2 months.
3. Conclusion of a purchase and sale agreement, its registration in Rosreestr.
4. After receiving the certificates of ownership and the purchase agreement, the citizen (usually the mother) goes to the Pension Fund to write an application and attaches the details of the seller’s current account to it.
5. If the transaction does not raise any complaints, the seller, after verification, receives the money by transfer to his bank account.

A maternal certificate for improving living conditions can be spent in this way only when the child reaches 3 years of age.

Please note that although the subsidy is associated with the birth of a child or children, the capital is the property of the family as a whole, and not of a specific child. Therefore, in housing purchased in this way, debts are immediately allocated to all family members. If the marriage is registered, then to both parents and children. Without marriage - mother and children. In exceptional cases, the subsidy is issued by the father.

What types of renovation cannot be considered reconstruction?

1. drilling to a water source.
2. well installation.
3. connecting the building to the heating system.
4. sewerage installation.
5. replacement of windows and doors. Even if it is for the purpose of energy saving.
6. installation of engineering systems for any other purpose.

Although all these works significantly increase the comfort in the house (which can be considered the most important for household members), improve the condition of the building itself, and increase its value, the total area of ​​the mansion still does not increase. In any case, there is no significant increase. That is, one that would correspond to the accounting norm.

When using a mortgage loan

More often than not, transactions are made this way. When applying for a mortgage, you can use maternity capital to improve the living conditions of a child up to 3 years old. That is, there is no need to wait. You can immediately issue a certificate and go in search of a bank.

The registration scheme is similar to that indicated above, but an additional link will be the bank, which makes demands on the property. The process itself will be like this:

1. Finding a suitable bank to apply for a mortgage loan. Collecting documents, submitting an application and waiting for a decision. A certificate for maternal capital is also brought with a certificate of the amount of the amount that is in the account (taken from the Pension Fund of the Russian Federation). This money will be taken into account when assigning payment parameters.
2. Upon approval, the client receives a list of real estate requirements and chooses a house or apartment in accordance with them. Next, he collects documents from the object and the seller, transfers them to the bank for verification of compliance with requirements and legal risks.
3. Completion of the transaction, conclusion of a loan agreement, purchase of an insurance policy for the object, registration of the transaction in Rosreestr.
4. Contacting the Pension Fund, writing an application for the use of maternal capital funds, attaching a certificate of ownership, a loan agreement. 1.5-2 months after the inspection, the Pension Fund will transfer the money to the bank.

It is not possible to allocate shares to children immediately; it is carried out after the mortgage is repaid. To do this, an agreement is drawn up, which the borrower undertakes to fulfill.

Since initially the bank is not yet sure that the Pension Fund of the Russian Federation will approve the transfer of funds, the contract is assigned for the full amount. As soon as money is received from the Pension Fund, partial early repayment occurs, the payment schedule changes, and the payment amount decreases. For example, this is what Sberbank practices. First, his clients make the first large monthly payment; subsequent ones, after approval by the Pension Fund, will be smaller.

How to use

Let’s say right away that if you decide to reconstruct your home according to the principle “it’ll do just like that: just put up the wallpaper,” then you will fail. Since it is prohibited to carry out cosmetic repairs using maternity capital money.

It is also prohibited to invite contracting companies to perform work. Repair work should be carried out independently.

Directing capital for reconstruction: step-by-step algorithm

If, as a result of the discussion, the family council decided to reconstruct their house using matkapa funds, we recommend that you plan your actions in advance. The general algorithm for registering the right and spending financial assistance for these purposes looks like this:

1. If appropriate grounds arise, issue a certificate for maternity capital. To do this, submit a written application to the nearest office of the pension fund. You can also contact the MFC. A decision on each application is made within 15 days.
2. You wait 3 years from the birth of your second child, since you can use the money only after a three-year period has passed after the grounds for providing support arise.
3. Collect the required papers.
4. You deliver the application for financial management with a set of documents to your fund branch. The review period will not exceed one month. If the decision on your application is positive, half of the amount is transferred to your bank account.
5. Carry out reconstruction.
6. After completing the previous stage, it is required to document (in an act) the fact of an increase in living space based on the results of reconstruction according to the rules set out in Decree of the Government of the Russian Federation of August 18, 2011 No. 686 (on your initiative, after contacting the authority issuing a construction permit or notification, a inspection of the reconstructed object, the results of which will be reflected in the report you need).
7. If the above requirements are met, you may request the remainder of your financial aid. From the moment of the first transfer, you must wait at least six months to achieve the transfer of the balance.

The structure responsible for considering issues of issuance and use of maternity capital funds is the Pension Fund of Russia

Questions and answers

How to spend maternity capital on apartment renovation?

It is impossible to spend maternity capital on repairs in the full sense of the word; this is not provided for by law. Only reconstruction of housing with an increase in area is possible, most often we are talking about private houses.

How to use maternity capital to improve living conditions?

If you have your own funds or other subsidies, you can make a standard home purchase and sale transaction or exchange for a larger apartment. You can also raise mortgage funds using capital as a down payment or a portion.

What documents are needed to improve housing conditions using maternity capital?

The Pension Fund provides all certificates about family composition: marriage, divorce, birth of children. We need adult passports and mother's SNILS. Since the application for funds is carried out after the transaction has been completed, a purchase and sale agreement, details of the seller and certificates of ownership for all family members are needed. In the case of a mortgage, a loan agreement and an obligation to allocate shares are additionally provided.

Is it possible to buy furniture with maternity capital?

No, this is not provided for by law.

Is it possible to buy a car with maternity capital?

No, the federal subsidy does not provide for such a right. In some regions there is a regional capital with which you can buy a car.

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about the author

Irina Rusanova - higher education at the International East European University in the direction of "Banking". Graduated with honors from the Russian Economic Institute named after G.V. Plekhanov with a major in Finance and Credit. Ten years of experience in leading Russian banks: Alfa-Bank, Renaissance Credit, Home Credit Bank, Delta Credit, ATB, Svyaznoy (closed). He is an analyst and expert of the Brobank service on banking and financial stability. [email protected]

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Under what conditions is financial support provided?

In order to receive financial assistance in the form of maternity capital and begin reconstructing their home, a family will need to meet a number of requirements. Condition one.

Money can be used to rebuild a building after the child turns 3 years old, and not earlier. If you submit documents to the Pension Fund before the child reaches the specified age, the funds will not be transferred to the parents. However, there are situations when it is urgently necessary to carry out the specified work. It is recommended to spend personal savings, and then seek the allocation of funds from maternity capital in the form of compensation. Therefore, it is necessary to preserve all evidence confirming the reconstruction was carried out during the specified period:

• photo (video) of the site before and after its improvement;
• checks, receipts for the purchase of materials, rental of special equipment (for special needs);
• written confirmations from other construction participants;
• testimonies from neighbors, etc.

Condition two.

Maternity capital can be used exclusively for the reconstruction of housing owned by the applicant (applicant) or his legal spouse (husband).
The same condition applies to the land on which the house is built. Condition three.
It should not be allowed to include an agreement with an official contractor among the documentary evidence.
Then the allocation of the compensation amount will definitely be refused. The work must be carried out only on your own. That is, family members, relatives, close acquaintances and anyone else who wishes can implement a project to increase the square footage of a house, if they do not have to pay for their work. But concluding contracts with construction teams or negotiating with development companies in this case is prohibited. That is, the homeowner can hire builders, but then he loses the right to demand compensation. If he hides the fact of hiring professionals, then he will break the law. Condition four.
The right to spend loan amounts on the reconstruction of your home does not contradict the possibility of receiving maternity capital funds.
Early repayment of the loan is not allowed until the child is 3 years old. Early repayment of the loan is allowed only in a situation where the money was borrowed for the acquisition (construction, purchase) of housing, and not for the reconstruction of an already finished building. Upon presentation of a certificate and other documents, a certain amount is allocated. But the family has the right to add to this amount money belonging to its members. The family can add as much money as they deem necessary to achieve the goal. And this is an increase in the area of ​​the house. Condition five.
The state will provide the opportunity to use maternal capital if, according to the presented project, the living area is increased to a size corresponding to the accounting standard for residential square footage, no less than that. If each family member, according to the building plan, becomes the owner of an area smaller than he is entitled to according to the accounting norm, then the reconstruction may be “frozen”. The pension fund will refuse to provide the family with funds for these needs. The document will indicate that the Pension Fund sees no reason to carry out the planned work. After all, the main goal - achieving the accounting standard indicators - will still not be achieved.

Comments: 8

Your comment (question) If you have questions about this article, you can tell us. Our team consists of only experienced experts and specialists with specialized education. We will try to help you in this topic:

Author of the article Irina Rusanova

Consultant, author Popovich Anna

Financial author Olga Pikhotskaya

1. Vladimir.
   08/02/2021 at 14:52 Hello, I have a plot of 10 acres, half a house is 39.15 sq m. I am a widower, we live with my daughter. Can I use a certificate of financial capital to build a country house on my plot? I am the owner.
   Reply ↓ Anna Popovich
   08/03/2021 at 00:47

   Dear Vladimir, you can only use funds for the construction or reconstruction of an individual housing construction project.

   Reply ↓