The state of our country has recently developed a number of measures to support families in which a second child was born. One of these measures is the provision of a certificate for maternity capital, which can be spent in three areas: the purchase of housing, the education of children, or the funded part of the mother's labor pension.
Instructions
Step 1
Many people do not know that a generic certificate is subject to cash. Of course, according to the law, maternity capital funds are not handed out, but you can get money if you make some effort. If you have a certain amount of your own money, you can buy living space, but it must be more than the one in which you have registered children. When buying, you will deposit part of the funds in cash, and part - with a certificate for maternity capital. Then, after a while, you can sell the purchased property, and then the money will be in your hands.
Step 2
The second option for cashing a certificate is relevant for those who have the opportunity to purchase housing on a mortgage. To do this, you need to collect a certain package of documents for the bank, apply for a mortgage loan, part of which can be repaid by means of maternity capital. Then you will need to apply to the bank for permission to sell the mortgaged apartment. If the bank gives such consent, then it can be sold. You will spend part of the proceeds from the sale to pay off the remaining debt, and part will remain in your hands. However, in this case, it will be quite difficult to find a buyer for the mortgaged property.
Step 3
If you want to build a house, but you need cash, you can also solve this problem with the help of maternity capital. To do this, you need to obtain a building permit and buy a plot. As soon as the foundation of the house is erected, you can register the unfinished construction and take a loan from the bank, which can be repaid with the help of maternity capital, and the cash can be kept for yourself. But in this case, you will incur costs that are associated with the payment of interest on the loan.
Step 4
If you have two or three close girlfriends who, like you, are holders of a maternity capital certificate, you can purchase housing in common shared ownership. Then sell the apartment and divide the money. However, you should be very careful with this scheme, since in the event of any misunderstanding, law enforcement agencies will be able to prove that the transaction was fictitious.
