Events

Amendments to the Maternity Capital Program, which aimed to raise the effectiveness of funds spent on housing, took effect on March 29.

A key amendment enhances control over the quality of homes procured with maternity capital funds. From now on, information of housing oversight agencies certifying an apartment or a house as uninhabitable becomes a valid reason for denying allotment of funds.

The Pension Fund and its territorial offices will make enquiries about the condition of residential premises with local self-government bodies, and state and municipal housing oversight agencies, which verify habitability of an apartment or a house and issue warnings whenever a house is bound for deconstruction or renovation.

PFR asks for such information practically in every case of housing-related application: whenever a house or an apartment is bought, a mortgage loan is repaid, or compensation for housing construction expenses is requested.

The amendments to the Maternity Capital Law will prevent funds from being misused to buy uninhabitable housing.

Another measure raising the effectiveness of spending of maternity capital funds excludes entities uncontrolled by the Central Bank from the list of institutions whose loans could be repaid with maternity capital. As a rule, such entities offer mortgage loans at a higher interest, compared to regular bank loans, which significantly increases family spending on the procurement of housing and heightens the risk of non-performing or bad loans. As a result, a family could lose the mortgaged home, which often is its only accommodation.

Meanwhile, the list of entities providing loans to maternity capital owners has been expanded with the DOM.RF Housing Development Institute (formerly the Agency for Housing Mortgage Lending) and agricultural consumer lending cooperative societies. Hence, the law completed the list of entities whose loans could be repaid with maternity capital funds. The list comprises credit institutions, consumer lending cooperative societies and agricultural consumer lending cooperative societies operating for at least three years, and the DOM.RF Housing Development Institute.

The amendments compel PFR to inform a certificate holder about the full spending of maternity capital funds within one month. The notice is sent within a month since the date of the last payment done with maternity capital funds.

Продолжая использовать этот сайт, Вы принимаете условия пользовательского соглашения и даёте согласие на обработку пользовательских данных (файлов cookie), в том числе с использованием системы аналитики «Яндекс. Метрика», (IP-адрес; версия ОС; версия веб-браузера; сведения об устройстве (тип, производитель, модель); разрешение экрана и количество цветов экрана; наличие программного обеспечения для блокирования рекламы; наличие Cookies; наличие JavaScript; язык ОС и Браузера; время, проведенное на сайте; глубина просмотра; действия пользователя на сайте; географические данные) в целях определения посещаемости сайта. Отказаться от обработки пользовательских данных и использования «cookie» можно, выбрав соответствующие настройки в браузере. Однако это может повлиять на работу некоторых функций сайта.

ПОДТВЕРЖДАЮ