Many families often ask: "Is it possible to spend maternity capital on the purchase of a summer residence?" How much will it be legal to spend money on the purchase of a site with the subsequent construction of a residential building on it? Knowing the law, you can fulfill your dream and not break the established framework.
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"Forewarned is forearmed"
The law allows the use of maternity capital to improve housing conditions. Accordingly, the funds should be aimed at the purchase, construction or repair of residential premises.
If the conditions are met, the money spent on the construction or reconstruction of the premises will be reimbursed by the state upon execution of documentary evidence.
Upon receipt of the certificate, you can use it to pay for a loan or a mortgage, as an initial installment of a mortgage received for the construction or purchase of a residential building.
Cottage for mothercapital: myth or reality?
If you want to spend maternity capital on the purchase of a summer residence, some conditions should be taken into account. Housing must pass state registration and fully comply with all requirements. The word "cottage" should mean housing adapted for permanent residence, which meets all the requirements of the norms established by law. It is necessary to provide all conditions for a full year-round stay. Carry out lighting, water supply, heating, electricity and ensure good ventilation.
Emergency rooms or buildings unsuitable for housing shall not be purchased at the expense of maternity capital.
Registration of land without buildings will be illegal. The house / cottage / residential premises must be located on the territory of the Russian Federation, while the premises must be issued to all family members, including children under 18 years of age.
Before buying a summer cottage, find out exactly in your local government whether the given building complies with all the norms established by the Housing Code.
If you nevertheless decided to purchase a summer cottage for maternity capital, do not despair, since a certificate can be submitted for the construction of a residential summer house.