What can't the payment be spent on for families with multiple children?
Federal and regional measures to support large families differ in rules, but almost always have a closed list of spending areas. The money is transferred directly to the seller, bank or developer, and for inappropriate use they may be required to return the funds.
The federal payment of up to 450 thousand rubles is intended only for repayment of an existing mortgage on housing. It cannot be used for a down payment, consumer or car loan, or payments for building materials. The money goes directly to the bank and only for principal and interest. Payment cannot be used to purchase garages, parking lots, warehouses, apartments and other non-residential real estate. The land for individual housing construction will be paid only after the house is built and a deposit is registered.
Different regions have their own restrictions. For example, it is not possible to purchase housing from close relatives, housing in bad condition or too old. In some areas it is forbidden to use funds to purchase other items.