Housing with a social load – Kommersant

Phraseologism about two sides of the same coin is suitable not only for describing difficult everyday situations, but also for assessing the impact of social programs on the mass housing market. A fresh example is the discussions around real estate acquired using maternity capital. Of course, the idea of ​​increasing the affordability of housing for families with children is appropriate and long overdue, but there are nuances. The other day, TASS cited the answer of the first deputy head of the Ministry of Labor, Olga Batalina, to the appeal of State Duma deputy Yana Lantratova: the ministry fundamentally supports the proposal to enter into the Unified State Register of Real Estate (EGRN) information on the acquisition of a property using matkapital funds.

Additional information in the USRN was required to prevent violations of the rights of minors and bona fide real estate buyers during the subsequent sale of such housing. According to Mrs. Lantratova, the courts often invalidate such transactions due to the lack of allocated shares in the apartment for all family members, including children. Daniil Sinitsyn, a partner of the Poverenenny company, sees no risks for the seizure of real estate from the buyer if the contract specifies its full cost, which is actually paid. But he warns that if problems arise, the new owner may be involved in the proceedings as a third party. And they can start suddenly, for example, due to a conflict in the family of the seller.

It is not surprising that buyers traditionally avoid transactions with housing purchased with maternity capital. They are frightened not only by the growing risks of contestation, but also by the long terms for concluding transactions: the sale must take place with the approval of the guardianship authorities. There are cases of outright deception when the seller of an apartment hides the use of maternity capital without allocating the necessary shares to the children.

Then what’s wrong with indicating information about the use of maternity capital in the USRN? Forewarned is forearmed, but only from the point of view of potential buyers.

For owners of housing purchased with the involvement of mother capital, such a decision is likely to create additional difficulties with the prospect of its implementation. Indeed, with the involvement of social programs, exclusive housing is rarely acquired, and in the conditions of a general overstocking of the secondary real estate market, such assets, if information is available in the USRN, will hardly be considered by buyers in principle. The only way out for sellers will be to provide noticeable discounts that are unlikely to be approved by the guardianship authorities. So, it is better for Russians who decide to invest their mother’s capital in real estate to think over the upcoming deal well: it may not be easy to implement it later.