Conditions for receiving maternity capital in 2021

The amount of state support in 2021 after indexation is 483,882 rubles for the first child. has already been received for the first child ). If the family has not yet received maternity capital for the first child, then the amount of the certificate will be 639,432 rubles (that is, for 2 children at once).

Another innovation of the past year concerns the form of the certificate. Since April 2021, it is no longer issued on paper and you do not need to apply anywhere to obtain it. The MK electronic form is sent to the mother’s Personal Account on the official website of the Pension Fund of the Russian Federation.

For more information about registering (receiving) maternity capital in 2021, read the detailed instruction article. Also see the material about the conditions for obtaining and requirements for the recipient of the certificate.

You can spend money from the certificate only after the child who is entitled to receive it turns 3 years old. To use the money before the child’s 3rd birthday, you need to take out a loan for the construction of a residential property or use the money to reduce debt on an existing loan. Read about this in a separate detailed material on our website.

Requirements for the house and plot

As part of the maternity capital program, certificate funds can be used for the construction or reconstruction of a residential country house on a garden plot . Until 2020, it was not allowed to build housing on such land at the expense of maternal capital.

How to use maternity capital to build a country house?

If permission to build a residential building was received before August 4, 2021 , then the number of floors and the permitted height may be higher than indicated, but not more than that established in the accompanying document.

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After approval of all documents, the Pension Fund sends the money to the account of the contractor. Often maternity capital money is not enough to build a house. In this case, parents will have to pay the difference with their own funds.

The building must be no older than 2007, and the parents took out a loan for its construction. The new law regulating the movement of maternity capital funds spells out how to use maternity capital to build a house in 2021 until a child is 3 years old. The amount within the certificate is used to repay the loan after all documents have been approved by the Pension Fund.

What's new in legislation

It is very important to carefully choose a contractor. There are companies that do not work with maternity capital funds at all. The fact is that they will be able to use the money only after the house is completed. But there is no need to fear that the house will not be completed. Even if this happens, homeowners will not lose a penny.

• statement;
• identification;
• ownership of a house, land;
• documents confirming the costs of housing construction;
• current account details (bank certificate).

1. The house must be built on Russian territory.
2. The land on which the residential facility will be built must be in the legal possession of the citizen (acquired at his own expense).
3. It is necessary to have design and estimate documentation for construction.

Use of MSC funds for the construction of residential real estate

The legislation establishes that public funds will be available only three years after the birth (adoption) of a child, since maternity capital can be used to build a house only after 3 years.

the construction of the facility must be carried out within the Russian Federation; the land plot on which the construction of the structure is carried out must be owned or otherwise legally owned by citizens; To build a house under the maternity capital program, you must have the necessary design and estimate documentation approved in the prescribed manner. Important! If the intended purpose of the land was not the construction of a residential property, then it will be impossible to direct maternity capital to build a house.

Further, spending maternity capital on reconstruction is permitted only in a situation where the area of ​​the residential property will be increased. In different regions of the country, the norm by which it can be extended is different; it is established in each individual place by its authorities.

• An extract of ownership from the MFC or an agreement on the right to use a plot in SNT. An alternative is a document on the perpetual right to use land.
• Permission to build a house;
• Obtain from a notary an obligation to allocate shares in the future house to children. Their size is not regulated by law.
• Bank details of the mother, the money will be transferred to her.
• House project.
• Estimate for building a house.

Recently, the Government of the Russian Federation issued a special resolution. Starting from March 12, 2021, it became possible to use mat. capital for the purchase or construction of a house located on the territory of SNT or ONT. Previously, the law did not allow this; it was allowed to use MK only for building a house on a plot for individual housing construction.

As before, money can be used to build a house only 3 years after the birth of the child to whom this certificate belongs. It is important to understand that if you buy a house with a mortgage, the funds can be used immediately.

Option 1. You are planning to build a standard house or individual housing construction project on the territory of SNT. In this case, it does not really matter how the construction will be carried out - “with your own hands” or with a contractor (we will write about this option later).

From a practical point of view, this means that the possibility of building a house on a summer cottage directly depends on the category of permitted use of the land. So, on a garden plot of land or in a SNT, the construction of permanent residential buildings is permissible. This means that in this case it is allowed to use maternity capital. This is important, because today, for many people, a dacha is not just a garden plot, but a place where they live on a permanent basis.

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Step-by-step recommendations for spending capital on construction on your own

You should know that in this case, funds are issued in 2 stages. To obtain them, the procedure for the owner of maternity capital will consist of the following actions.

Step 1. Purchasing a plot of land

Residential real estate must be located on land owned by ownership (purchase, inheritance) to the certificate holder or his spouse. Long-term leases and unlimited use are also permitted. Ownership of a land plot must be documented:

• Purchase and sale agreement (SPA) of a land plot;
• A valid will;
• An annuity agreement.

Before starting construction work, the family needs to obtain permission to carry out the work. To do this, you should contact the municipality, architecture department. For more information about purchasing a plot of land using materiel capital, read this detailed material on our website.

Step 2. Collecting documentation and contacting the Pension Fund

To obtain permission from the Pension Fund to spend capital for the construction of individual housing, you will need to prepare the following package of documentation:

• Application for disposal of maternal capital funds.
• The applicant's civil passport.
• MSK certificate.
• Children's birth certificates.
• SNILS of the applicant.
• A marriage certificate, if the spouse of the owner of the MK is the owner of the land or intends to carry out construction work independently.
• Title documentation for the land plot (DCP, deed of gift, will, rent agreement, etc.).
• Construction project (ordered from a company with a license to carry out consulting work).
• Extract from the Unified State Register of Real Estate for the land plot.
• Certificate from the bank with the account number for transferring funds.
• Permission for the construction of residential real estate.
• A power of attorney certified by a notary, if the interests of the applicant are represented by a third party.

An application for disposal of maternity capital funds can be filled out before applying to the Pension Fund by downloading it on our website. In the same place (link) see the sample and instructions for filling.

Documentation can be transferred to the Pension Fund in the following ways:

1. In person at the branch or through a representative.
2. Through MFC.
3. Through the State Services portal or personal account on the Pension Fund website.
4. By registered mail with a list of enclosed documentation.

The applicant will need to present the original documents and their copies to the Pension Fund. The specialist will check them for compliance and give the originals to the applicant. If the application was sent through electronic services, then the owner of the certificate for maternal capital must provide paper documents to the Pension Fund within 5 days.

Within a month, the request will be considered and the owner of the capital will be notified of the decision made in the manner specified in the application.

Step 3. Transfer money and start work

After receiving a positive decision from the Pension Fund, half of the amount will be transferred within a month using the provided details. Upon receipt of the first tranche, you can begin construction work. Over the course of six months, it is necessary to equip the foundation, erect walls and roof. If reconstruction is carried out, then work will need to be carried out, as a result of which the living space of the household will be increased.

Next, after the specified period, you should contact the municipal department of architecture to obtain an inspection certificate about the start of construction work. This document is submitted to the Pension Fund for the transfer of the remaining amount under the state program.

State support funds are allowed to be spent exclusively on the purchase of building materials. It is recommended to save receipts. If controversial issues arise, they will prove the applicant is right.

Related news

Although, the Pension Fund of the Russian Federation says that if it is planned to build housing on a garden plot suitable for permanent residence of a family, then maternity capital could be used before January 1, 2019, however, it must be borne in mind that the fact of obtaining the status of “residential building” for an existing living space is greatly simplified.

Popular answers to questions about maternity capital

“Russians who have been living in SNT for a long time perceive these houses as their home. Expanding the possibilities for using maternity capital, including [for construction] on land plots existing in gardening partnerships, is completely justified.”

When citizens wonder whether it is possible to build a house on a summer cottage using maternal capital, they should also understand that the above requirements for the suitability of the building will be applied without exception, including when assessing the condition of the land plot where parents plan to build housing. If a plot of land that is part of a garden partnership cannot be used for construction, citizens have another way out of the situation: it is enough to withdraw the land from the SNT and register it as ownership, assigning the allotment the category of individual housing construction.

You can select all the evidence. But these requirements are written in Art. 112 RF IC. Article 1146 of the Civil Code of the Russian Federation. Beginning of the limitation period 1. The limitation period begins from the day of execution of the foreclosure. 2. Execution is applied to the common property of the spouses for the common obligations of the spouses, as well as for the obligations of one of the spouses, if the court establishes that everything received for the obligations of one of the spouses was used for the needs of the family. If this property is insufficient, the spouses bear joint liability for these obligations with the property of each of them. If the court determines that the second period does not establish a guarantee period, the amount of alimony is determined in a fixed sum of money or at the same time based on the impossibility of executing the court decision, if it is voluntarily issued on the basis of law or on the basis of a power of attorney issued by the applicant’s representative. If one of the parties, by a court decision, even if during the consideration of the case is indicated above) to foreclose on property, this is also money, excluding the relationship between the plaintiffs or persons who are witnesses who were recognized as the parents of the child and to what extent between the former spouses, then the court begins to calculate the proper circumstances of the case. Violation of consumer rights when defects are discovered in a product, if they were not specified by the seller, at his own discretion, has the right to: demand replacement with a product of the same brand (same model and (or) article), demand replacement with the same product of a different brand (model, article) with a corresponding recalculation of the purchase price, demand a proportionate reduction in the purchase price, demand immediate free elimination of defects in the goods or reimbursement of the costs of correcting them by the consumer or a third party, refuse to execute the sales contract and demand the return of the amount paid for the goods. At the request of the seller and at his expense, the consumer must return the defective product. In this case, the consumer also has the right to demand full compensation for losses caused to him as a result of the sale of goods of inadequate quality. Losses are compensated within the time limits established by this Law to satisfy the relevant consumer requirements. In relation to a technically complex product, if defects are discovered in it, the consumer has the right to refuse to fulfill the purchase and sale agreement and demand a refund of the amount paid for such a product or make a demand for its replacement with a product of the same brand (model, article) or with a different product. brand (model, article) with a corresponding recalculation of the purchase price within fifteen days from the date of transfer of such goods to the consumer. After this period, these requirements are subject to satisfaction in one of the following cases: discovery of a significant defect in the product, violation of the deadlines established by this Law for eliminating defects in the product, impossibility of using the product during each year of the warranty period for a total of more than thirty days due to repeated elimination of its various defects. 2. After a break, the limitation period begins from the day the main obligation is fulfilled.

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House in SNT for maternity capital

application for the allocation of MSC funds for participation in shared or other forms of construction; copies of the passports of the applicant and the participant in shared construction (this may also be the spouse of the owner of the MSK certificate); copies of children's birth certificates; agreement for participation in construction with the participation of MSC funds.

The remaining amount can be provided only after a 6-month period, and subject to providing supervisory authorities with evidence of the intended use of funds. The following criteria are taken into account:

Note. When drawing up an application, in the column about the purpose of spending the capital, you must indicate the item “improvement of living conditions.” If you write the expression “buying a summer house,” the Pension Fund will not approve such wording and will refuse the applicant.

Step-by-step instructions for buying a summer house

There are several ways to obtain living space in the form of a summer cottage with a house. This includes purchasing it, building a new house on a purchased plot of land, or restoring dilapidated living space for subsequent residence.

• a copy of a document confirming ownership or use of the plot: an extract from the Unified State Register of Real Estate (certificate of ownership);
• a document on perpetual use or the right to lifelong inheritable ownership of land;
• lease or free use agreements;

Hiring a contractor for work

When constructing residential real estate by a contractor, the requirements for the land plot do not change. The right to use it must be confirmed by one of the documents, the list of which is presented above (see “Step 1: Acquisition of a plot of land” ).

We recommend watching the video below, which tells you how to register and receive maternity capital for the construction of a residential building without involving a contractor. What documents, where to get them, how to avoid unreasonable expenses.

Step 1. Selecting a construction company

Lawyers advise adhering to the following recommendations when searching for a contractor for the construction of a residential building or its reconstruction:

• You should not contact crews working seasonally without a license.
• You should familiarize yourself with several projects of the future house made by contractors and choose the most suitable one in terms of room arrangement, materials, area, etc.
• It would be useful to study reviews about the organization, you should find out the opinions of former clients, and, if possible, visit households built by the company.
• When communicating with a contractor, you need to notice the smallest details: how they talk to clients, the presence of complaints, the situation in the office.
• Preference should be given to a company that has been operating for at least 3 years with examples of successfully implemented projects.

The owner of a certificate for maternal capital can order the construction of a turnkey house or determine other conditions. Funds will be transferred to the company's account in the amount set by the customer.

Step 2. Conclusion of contractual relations

The owner of the certificate must enter into an agreement with the contractor to carry out the work. The document will need to indicate that maternity capital is used for calculations and provide for installment plans.

Step 3. Contact the Pension Fund and transfer money

In this case, the list of documentation that should be provided to the local branch of the Pension Fund consists of the following evidence:

• Statements on the disposal of maternal capital funds.
• Civil passport of the MK holder.
• Maternity capital certificate.
• Children's birth certificates.
• SNILS of the owner of MK.
• Marriage certificates, if the spouse of the holder of maternal capital owns a land plot.
• Agreements with a contractor with details for transferring money.
• Title documentation for a plot of land (contract, deed of gift, will, rent agreement, etc.).
• Construction project (ordered from the construction company with which it is planned to conclude a deal).
• Extracts from the Unified State Register of Real Estate for the land plot.
• Permits for the construction of residential real estate.
• A power of attorney certified by a notary, if the interests of the owner of the MSK are represented by another citizen.

The money will be transferred to the details specified in the agreement within 10 days from the date of approval of the application. Additional verification may increase this period by another 20 days.

Step 4. Construction work

After the conclusion of the contract, the contractor is obliged to begin construction work. They must be completed within the time limits established by the agreement. The parties should sign the acceptance certificate. If the customer has any complaints, then it is worth refusing to sign it until the shortcomings are eliminated. You can also indicate them in the act. By signing such a document, the developer undertakes to eliminate defects.

Federal Law No. 340-FZ dated August 3, 2018 “On Amendments to the Town Planning Code of the Russian Federation and Certain Legislative Acts of the Russian Federation,” which entered into force on August 4, 2021, has made significant changes to the construction procedure. The purpose of the changes is to streamline the construction and reconstruction of individual housing construction projects.

This law abolishes the requirement to obtain a construction (reconstruction) permit and permission to put individual housing construction projects into operation. Instead, the federal executive body, the executive body of a constituent entity of the Russian Federation or the local government body (hereinafter referred to as the authorized body) authorized to issue construction permits, which is in charge of the land plot, is given a notification by the owner of the land plot about the beginning and, accordingly, about completion of construction (reconstruction) of an individual housing construction project.

This is what the notification form looks like:

This document can be submitted in several ways:

• Personally to the authorized body;
• Through MFC;
• Through State Services;
• By registered letter with notification.

It must contain information about the developer, land plot and other information specified in clause 4 of Art. 51.1 of the Town Planning Code of the Russian Federation.

The notification must be accompanied by papers that confirm the rights to the land plot, as well as documents that describe the appearance of the house (in text and graphic form).

Within 7 days from the date of receipt of the notification, the authorized body conducts an inspection. He must ensure that the parameters of the individual housing construction project specified in the notification comply with the maximum parameters of permitted construction, reconstruction of capital construction projects, established rules of land use and development, territory planning documentation, and mandatory requirements for the parameters of capital construction projects established by the Town Planning Code of the Russian Federation, other federal laws and valid on the date of receipt of the notice of planned construction, as well as the admissibility of placing an individual housing construction project in accordance with the permitted use of the land plot and the restrictions established in accordance with the land and other legislation of the Russian Federation.

Receipt by the developer of a notification about the compliance of the parameters of an individual housing construction project specified in the notice of planned construction with the established parameters and the admissibility of placing an individual housing construction project on a land plot from the authorities authorized to issue construction permits, or the said authorities do not send a notification about the non-compliance of the parameters of the individual housing construction project specified in the notice of planned construction established parameters and (or) the inadmissibility of placing an individual housing construction project on a land plot is considered approval by the specified authorities of the construction or reconstruction of an individual housing construction project and gives the developer the right to carry out construction or reconstruction of an individual housing construction project in accordance with the parameters specified in the notification for 10 years.

After the house is built (reconstructed), the developer is required to draw up a notice of completion of construction (reconstruction). The deadline for submitting such a notification is no later than one month from the date of completion of construction (reconstruction).

The document must again contain information about the developer, about the land plot, information about the object, as well as about payment of the state fee for state registration of rights.

The notice of completion of construction (reconstruction) shall be accompanied by:

1. Technical plan of the individual housing construction facility;
2. An agreement concluded between the owner of a plot to determine their shares in the right of common shared ownership of a constructed or reconstructed individual housing construction project.

Within 7 working days, the authorized body checks documents and inspects the property to ensure compliance of the information specified by the developer in the notification with the real state of affairs. Based on the results of a comprehensive check, a positive or negative answer (refusal) is given.

If the developer fulfills all the requirements of the notification procedure, the authorized body is obliged to send to Rosreestr an application for state cadastral registration and state registration of rights to the individual housing construction project within 7 working days from the date of receipt of the notification. The developer also retains the right to submit documents to Rosreestr himself.

This notification procedure is mandatory.

According to clause 59, part 1, article 26 of the Federal Law of July 13, 2015 No. 218-FZ “On State Registration of Real Estate”, if the notification about the completion of construction or reconstruction of an individual housing construction project, about state cadastral registration and (or) state registration of rights which an application has been submitted, has not been sent by the developer to the state authority or local government authority authorized to issue construction permits, Rosreestr has the right to suspend registration and registration actions in relation to the property.

Failure to eliminate the reason will entail a refusal to carry out state cadastral registration and (or) state registration of rights in accordance with Art. 27 of the Registration Law. Source.

Cadastral works will become cheaper

If you believe the plans of Rosreestr, the department is preparing a bill that will make it easier to register houses in areas near the airfield. Alexey Butovetsky, deputy head of Rosreestr, said: only two amendments will need to be made to the legislation on airfield territories. Such territories are zones with special conditions for the use of territories, and now all such projects must be coordinated with the Federal Air Transport Agency. Under the new bill, this will no longer be necessary. Rosaviatsia, according to Butovetsky, does not see a threat to flight safety from private houses and gardens. This problem is not as rare as it seems: for example, Moscow airports are surrounded by villages that were historically located there. As for Tatarstan, both international airports of the republic - Kazan and Begishevo - do not have residential buildings in their subzones.

Maternity capital can be spent on rural mortgages

At the end of November, the State Duma adopted a very important law No. 445-FZ for any owner of undemarcated land. If until now it was possible to order complex cadastral work in a certain territory only at the expense of budget funds, then from March 24, 2021, this will be possible to do at the expense of individuals and legal entities interested in performing such work.

The lands of SNT, as FORUMHOUSE members say, are in this sense “a separate mysterious world with its own rules.” In practice, gardening has been built with maternal capital money before, but it was an extremely difficult quest. Only the most persistent and motivated people managed to complete it, for whom the inherited dacha plot was the only opportunity to improve their living conditions.

I have already started playing this exciting quest. First steps: new land surveying, then individual housing construction, then notification, and only then technical plan for the house. I’m afraid I’ll have to pay all my capital for registration and bribes, I’ve already heard that in our city it costs 10,000 rubles per hundred square meters to transfer land for individual housing construction!

With the money from maternity capital, it will be possible to build and remodel a house on a garden plot. On January 21, the State Duma in the first reading adopted the bill “On Amendments to Article 10 of the Federal Law “On Additional Measures of State Support for Families with Children.” Russian legislation allowed building a house with maternity capital funds before, but only on individual housing construction lands.

1. Construction work must be carried out within the Russian Federation.
2. The construction of a residential property of no more than 3 floors is allowed.
3. The house must be located in a residential area.
4. The building must have a foundation and supporting structures.
5. Load-bearing elements must be suitable for use. Destruction and damage are unacceptable.
6. Housing must be equipped with all utilities necessary for human life (water supply, sanitation, electricity, heating, ventilation). If the construction of housing is planned in a gasified settlement, then gas must also be provided in the facility being built.
7. If there is no real estate in the locality with utilities, it is allowed to build a house without them.

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How to compensate for the costs of a built house with maternal capital?

If the housing was built on its own and put into operation after the beginning of 2007, the owner of the MSK can reimburse the costs incurred using funds from the state program. On March 7, 2021, important changes took place that simplified the entire procedure:

Resolution No. 280 of February 27, 2021 states that the costs of building a private house or its reconstruction can now be reimbursed using an extract from Rosreestr. It must indicate that the plot of land for individual housing construction with the house built on it belongs to the family.

You can take advantage of this opportunity only after the child who is entitled to receive a certificate turns 3 years old.

How to use maternity capital for housing construction up to 3 years?

According to the law, a family can use state support money after the child who has been granted the right to receive it turns 3 years old. But in some situations it is possible to use MK without waiting for this period.

Svetlana Anokhina

Social lawyer

Ask a Question

Article 7, Part 6.1 of the Federal Law of the Russian Federation No. 256 allows you to use money to pay off debt or the first installment on a loan (mortgage). In this case, the banking agreement will need to clearly indicate the purpose of receiving the loan.

Spending the certificate to repay a mortgage loan

The money can be used to pay the first or next installment on a mortgage (loan for the construction of residential real estate), as well as to pay off interest on the amount owed.

If maternity capital is planned to be used to repay the first installment, then the Pension Fund will need to provide:

1. A copy of the loan agreement for the construction of a residential property.
2. If a mortgage agreement was drawn up, a copy of it is required.

In order to repay the principal amount or interest on it with maternity capital, the following documentation is sent to the Pension Fund:

• A copy of the agreement with the bank.
• Bank statement showing the outstanding interest balance.
• If a mortgage agreement was concluded, a copy of it will be required.
• Extract from the Unified State Register of Real Estate.
• A copy of the permit for the construction of residential real estate.
• A certificate confirming the transfer of the entire loan amount to the bank account of the certificate holder or his spouse.

The right to use state support in this direction arises for the family even if the bank loan was issued before the baby was born, giving the mother the right to receive maternity capital.

Will they register me at the dacha?

Today, maternity capital can be used to repair premises and improve living conditions. With this money it is not prohibited to buy apartments, ready-made houses, or build residential premises on lands allocated for construction. In other words, a house can be built in any village or hamlet, even within a city or suburban settlement, provided that the developer is allocated a plot from this category of land. As for the purchase of a finished dacha, now, by the way, it is impossible to purchase it with this money, just as it is impossible to build one. Such a restriction is not beneficial for residents of Russia, because plots in gardening societies, as a rule, are cheaper than in towns and villages. After the adoption of the Law, people who love nature and fresh air will have the opportunity to live outside the city, install communications, and insulate the building.

This has become possible since last year. The dacha is now a full-fledged place of residence where people live permanently, as in a private country house. Thus, large families can expand their living space at modest prices. Residential buildings must comply with urban planning requirements that apply to permanent housing. They should not be divided into apartments. The roof and supporting structures must be reliable. The house is supplied with electric lighting, water and heating. It is necessary to install ventilation and a drainage system. In gasified areas, gas supply should be connected. In addition, the criteria for registration are the following:

Thus, you can buy a dacha on MK, but only if it is built on a garden plot of land and has the legal status of an individual residential building. The concept of a dacha is not regulated in current legislation, but a garden house is not residential, which means it cannot be purchased using family capital.

Section VI of Resolution No. 47 establishes that a garden house can be recognized as residential. To do this, you must submit to the authorized local government body or multifunctional center (MFC):

How can you buy a dacha for maternal capital?

• a copy of the purchase and sale agreement;
• an extract from the Unified State Register of Property Rights;
• a certificate of the balance of debt if the dacha is purchased in installments;
• a notarized obligation to allocate shares if the house has not been or cannot be immediately registered as the common shared property of parents and children.

21 Apr 2021 semeiadvo 596

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Spending maternal capital on the construction of a house with shared participation

You are allowed to use MK even if housing is still under construction. Using the certificate, the family can reimburse the costs incurred. For this purpose, the local PFR office must collect the following package of documentation:

• passport;
• SNILS;
• MSK certificate;
• certificate from the cooperative;
• charter of the cooperative;
• an extract from the cooperative with information about the amount paid and the balance of debt.

Before giving permission to spend money under the state program in this direction, Pension Fund employees carefully check the cooperative, the facility being built and the right to spend MSC.

Consequently, in 2021 the state provides the opportunity to use maternal capital funds in the construction of individual housing. But this will require meeting a number of conditions and collecting an impressive package of documentation. Moreover, a family can use money under the state program either before the child’s 3rd birthday or after this period.

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Improving living conditionsHow to buy a house using maternal capital

Buying country or garden land

1. Concluding an agreement with the company that will carry out the work. (The agreement can be signed not only by the child’s mother, as the owner of the certificate, but also by her husband).
2. Submitting an application for cash withdrawal to the territorial branch of the Pension Fund. If the decision is positive, the money will be transferred to the company’s bank account in a one-time transfer.

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The procedure for sending MSC for reconstruction of living space

• no more than half of the total amount is transferred to the account of the certificate holder (this is done within 60 days after a positive decision on the application is made);
• the rest is transferred no earlier than six months later, and only if all requirements for construction work are met.

In 2021, the conditions for allocating funds to build a house have softened. Previously, it was possible to build only on the lands of settlements and private housing construction. Starting this year, construction on garden and dacha plots is permitted, but only if the house is intended to be used for year-round family residence, and registration is possible in dacha real estate.