Cash loan against mat capital. Is it possible to repay the loan with maternity capital. Transfer of funds

Already for 10 years housing problem in Russian families, it is solved using maternity capital funds for the acquisition, construction and reconstruction of housing. But the only intended use of the certificate until the child is 3 years old, which gave the right to mother capital, is an improvement living conditions with the attraction of credit (borrowed) funds.

In this case, maternity capital funds, the amount of which, are transferred non-cash by the Pension Fund to organizations providing credits and loans under maternal capital (banks, credit consumer cooperatives - CPC, other organizations):

(if we are talking about a classic mortgage).

Mandatory condition for obtaining borrowed money with subsequent repayment from maternity capital - this is the target "housing" orientation of the issued loan or loan. At the same time, the fulfillment of obligations secured by mortgage(that is, a pledge of the acquired property).

Targeted loan for maternity capital represents the receipt of money in debt under a loan agreement concluded between the owner of the certificate and one of the financial institutions. Funds received must be without fail directed (i.e. we are talking about a housing loan). To repay the debt and interest for its use within 1-2 months, the mother's capital will be transferred in the required amount.

Despite the fact that the very concept of “maternity capital loan” seems to imply the receipt of money in cash under a loan agreement, in fact this does not mean at all that state money will be transferred in cash - all payments are made only by bank transfer. No schemes offering can be legal! For such offenses (fraud with budget money) criminal liability.

What is a targeted maternity capital loan?

In general, a loan and a loan against mother capital are not much different from each other, since both involve extradition Money on a reimbursable basis, and in both cases these means have a certain target orientation. but loan agreement(Article 819 of the Civil Code of the Russian Federation), also widely used when, is somewhat different from loan agreement(Article 807). In fact, the first is a special case of the second subject to a number of additional requirements stipulated by the legislation on credit institutions.

To their main differences may include the following:

relations arising between the parties when applying for a loan are regulated not only by civil law, as in the case of a loan agreement, but also by banking;
the commencement of the loan agreement begins from the day it is signed, and the loan agreement - from the moment the money is transferred;
a loan agreement may also be interest-free (however, in practice, everything turns out to be the opposite - interest on loans is usually many times higher than interest on bank loans, since they are issued for much shorter periods with a lower level of requirements for the borrower - accordingly, with significantly greater financial risks for the organization);
in case of violation of the terms of the loan agreement, the other party has the right to demand early repayment the remaining loan amount together with interest (clause 2, article 811 of the Civil Code of the Russian Federation), and in case of delay on loan agreement interest and penalties will accrue, but the repayment period will remain unchanged.

Risks of the seller and the buyer when buying a home through a lender?

Upon receipt of a loan under the mother's capital, housing is registered as the property of the buyer with an encumbrance by virtue of the law. The subject of collateral is the property itself. The buyer will be able to remove the encumbrance and fully dispose of such residential premises only after the full return of money to the lender upon application for the disposal of maternity capital funds.

With regard to “other organizations” that have the right to conduct such transactions, in Lately there is a lot of discussion going on. In the State Duma considered on the prohibition of the right of such organizations to issue funds secured by maternity capital. At the beginning of the year, relevant bills were even introduced, but no final decision was made.

In addition, initially, before changes are made to the Rules for the allocation of maternity capital funds on the basis of the Decree of the Government of the Russian Federation No. 689 dated 09.07.2015 as a lender microfinance organizations could act(MFI). However, to reduce the risk of illegal actions in relation to MSC funds, they have been excluded from this list..

Is it possible to take a loan for maternity capital in a bank (Sberbank)?

the bank, being credit institution acting on the basis of Law No. 395-1-FZ of December 2, 1990 about banks and banking» , It has full right issue not only long-term loans, but also short-term loans for maternity capital, which are always issued secured by mortgage- that is, on the security of the acquired property.

However, the requirements in banks for borrowers will be exactly the same as in the case of obtaining a long-term mortgage loan. For example, in Sberbank (as one of the leaders in providing mortgages against mother capital), all General requirements to the borrower relatively:

age (from 21 to 75 years old at the end of the loan term);
solvency (having, in addition to maternity capital, a sufficient level of income and a positive credit history);
permanent registration in the territory of the Russian Federation.

Now loans in Sberbank for the purchase of finished or under construction housing are issued in the amount of from 300 thousand rubles. The minimum loan repayment period is from 1 year, however, for insurance purposes, loans in the amount of maternity capital (450 thousand rubles) are usually issued for a period of 5 years or more. If we imagine that such a loan will not be repaid within 2 months by maternity capital, it will cost about 10 thousand rubles to repay it with a total overpayment of several hundred thousand rubles (which should be feasible for a borrower who meets the requirements of Sberbank).

However, since the Pension Fund transfers maternity capital funds within 1-2 months after the application is submitted by the certificate holder, the amount of overpayment at current interest rates of 9-12% will be only 10-15 thousand rubles. The balance of the loan, if necessary, can be repaid in the following months with your own funds.

Wherein no need to be afraid that in the event of early repayment of a mortgage loan issued for 5 years by the maternity capital, these funds will only be used to pay off the interest included in the calculation (indeed, usually at the beginning of the mortgage payment period, the interest for its use is paid off for the most part and the principal debt is almost not paid off ).

The fact is that according to credit legislation, interest is charged only for the actual time of using the loan. Sberbank itself obliges the borrower no later than 6 months from the date of issuance of the loan, apply to the FIU for repayment of the debt under the agreement. In fact, this can be done immediately after receiving a loan. For 1-2 months, while the Pension Fund will consider the application and transfer money to pay off the debt, the bank will not be able to physically calculate as much interest as it “accumulates” over several years of using the loan (in other words, so that the amount of this interest is comparable to the amount of maternity capital , you need a loan term of at least a few years).

The only problem is Sberbank does not issue a mortgage without a down payment(now on various credit products it is 15% or 20% of the cost of the purchased housing, i.е. in relation to the amount of maternity capital in 2017, this is from 60 to 90 thousand rubles). Theoretically, this amount can also be repaid with a certificate as part of a special offer from Sberbank "Mortgage plus maternity capital", however, in this case, the registration procedure may become significantly more complicated, and the possibility of obtaining such a loan will depend more on the individual characteristics of the borrower (including his credit history and the data contained in the income statement 2-NDFL). In addition, the interest rate on a loan under this offer may be higher than in the case of its execution on a general basis.

Credit consumer cooperative (CPC) under mother capital

Unlike banks, the activities of credit consumer cooperatives are regulated by Law No. 190-FZ dated July 18, 2009. "O credit cooperation» . According to him, the credit cooperative is an non-profit organization , whose activities are based on the organization of financial mutual assistance of its members. For its implementation, the following financial levers are used:

attraction of funds from the participants of the cooperative - shareholders;
placement of a part of the received money among the members of the cooperative, including under a loan agreement.

A special type of activity of credit cooperatives is provision of targeted loans to improve living conditions on the security of purchased housing. Now there are a large number of CCPs that specialize only in loans for maternity capital.

After the 2015 law banned altogether work with maternity capital for microfinance organizations (MFIs), some restrictions were also applied to credit cooperatives - namely, the possibility of obtaining maternity capital from the Pension Fund to repay loans for the purchase of housing only after 3 years from the day they state registration. In this regard, MFIs began to massively cooperate with old PDAs that have been operating on the market for at least 3 years in order to further attract customers with .

What is a PDA in simple words (work scheme)?

In simple and modern terms, the CCP is, in fact, a "mutual benefit fund" for the realization of the personal goals of each member of the cooperative to improve housing conditions. A cooperative on a mutually beneficial basis brings together 2 groups of people:

those people who do not have sufficient funds to purchase real estate (but, in this case, who have a certificate for maternity capital);
those who have free cash that can be provided to other members of the cooperative in the form of a housing loan.

Thus, the former get access to money by joining the CCP, while the latter receive interest for lending their money to other people for a certain period of time established by the loan agreement.

The procedure for obtaining a loan under the MSC in the selected PDA in general terms is as follows:

Write an application to join the cooperative.
Pay a share fee and an entrance fee, if such is provided for by the Charter of the organization.
Provide the cooperative with the necessary documents for obtaining a loan for the purchase of housing.
Sign a tripartite agreement between the financial institution, the buyer and the seller.
Typically, such an agreement is for several months until the transaction for the purchase of housing is completed and the PFR transfers maternity capital funds. Also the loan amount usually does not exceed 500 thousand rubles Therefore, such an operation is also called a microloan.
Pay with borrowed funds to the seller and register a transaction for the purchase of real estate in the manner prescribed by law.
Write to the territorial administration of the PFR with maternity capital funds to repay the loan.
The pension fund transfers money to the details specified in the loan agreement, and thereby repays the homebuyer's debt to the cooperative.
After full repayment the debt from the purchased housing is removed from the encumbrance, and the owner of the certificate will be obliged to issue an apartment or house within 6 months (including the spouse and all children, including adults).

Here it is also worth paying attention to the fact that from the moment the funds are transferred to the borrower (it is important that not from the moment the contract is signed), the cooperative will charge interest for their use, which also will be repaid with maternity capital(this is equally true for CCPs and for ordinary banks).

This is often misunderstood by borrowers as "commission financial organization for cashing maternity capital ", the legitimacy of which for some reason is doubtful for many, but this is not entirely true. If the transaction is not fictitious and the funds are actually sent, then this “commission” is initially laid down in the loan agreement in the form of interest on the use of funds issued for the purchase. Taking into account the higher interest rates in microloan organizations than in banks, the total amount of this “commission” can be several tens of thousands of rubles (usually up to 50 thousand).

Those. if the buyer is not ready to overpay from own funds, the size of the loan itself for maternity capital, excluding interest, should not significantly exceed 400 thousand rubles. This amount, excluding interest, will be indicated in the contract for the sale of housing and will go to the seller to pay for the transaction. The remaining amount (the so-called “commission” will be received by the CCP in the form of interest for using the loan).

Pros and cons of getting a loan from a credit cooperative

After in 2014-2015. dropped sharply real income of the population, the popularity of credit cooperatives in Russia has significantly increased, including among owners (since not every borrower can get approval from a bank even for a small loan in the amount of maternity capital itself - 450 thousand in 2017).

Obtaining a loan from the CPC for such borrowers turns out to be a fairly simple procedure for the legal use of MSC funds. Moreover, it is especially important that this can be done without waiting for the youngest child to reach the age of 3 years. For other benefits may include the following:

minimum requirements for the borrower, including:
- no need to confirm income (repayment of the loan is guaranteed by the very existence of a certificate for maternity capital);
- loyalty in relation to age and experience;
fast turnaround time for applications.

But despite its apparent simplicity, there are also some pitfalls. By cons Such loans may include:

more high percent for providing cash compared to bank loans;
even if the loan is granted for 1-2 months, it will still be necessary to pledge the purchased housing as a pledge, as well as when receiving a full-fledged one from the bank (and these are additional costs for registering a mortgage with Rosreestr);
lesser financial security CCC compared to banks (including in terms of riskier credit policy which may lead to bankruptcy).

Thus, loans in a credit cooperative are a good opportunity to solve housing issue owners of mother capital in case of non-permanent labor activity or receiving informal income. And with proper paperwork, the risks are reduced to zero.

Can I get a loan secured by maternity capital in cash?

Unfortunately, despite the explicit prohibition of transferring maternity capital in cash, there is still an advertisement suggesting MSC owners to resort to. Some citizens, for profit, succumb to such fraudulent actions, for example, by submitting documents about a non-existent real estate object or by deliberately pledging a large amount what is really worth living quarters(often, dilapidated, dilapidated housing is purchased, or existing only on paper, which cannot possibly cost 450 thousand rubles).

Don't follow the scammers- law enforcement agencies and the Pension Fund will definitely check the purity of the transaction, and in case of detection of illegal actions, penalties will be applied to the violator, including in the form of real imprisonment. According to paragraph 16 of the Rules adopted by Decree of the Government of the Russian Federation No. 862 of December 12, 2007, all calculations related to the use of maternity capital funds are carried out only non-cash way .

Home Improvement Scheme through a Targeted Loan

In order to improve living conditions through obtaining a loan under the mat. capital, certificate holder the following should be done:

Choose a property that meets all necessary requirements in terms of technical and sanitary-hygienic standards. In the case of buying housing on the secondary market, the condition must be met that the housing being purchased must not be recognized as emergency or unfit for habitation.
Collect information on all financial institutions (banks and credit cooperatives - KPC) providing such loans. Study the conditions for providing funds and choose the most suitable option for yourself.
In accordance with the requirements of the selected organization, provide required package documents for concluding a loan agreement. Find a suitable home seller and sign a three-party sale and purchase agreement between the seller, the buyer and the financial institution - that:
- the buyer acquires and the seller alienates the real estate owned by him at the agreed price;
- as payment for the cost of housing, the buyer sends the seller a loan for maternity capital provided by a financial institution;
- after the transaction is completed in Rosreestr, the loan issued to the buyer is repaid by the Pension Fund at, which the buyer must submit to the FIU within the time limits established by the agreement (the sooner, the less it will be total amount payable interest).

After the full repayment of the buyer's debt to the financial institution, the burden in the form of a mortgage is removed from the purchased housing, and the family will need to within 6 months register an apartment or house in the shared ownership of spouses and children (to this account, an appropriate is submitted to the Pension Fund in advance along with an application for disposal).

What documents will be required for this

The main documents for obtaining a targeted loan include the following:

application form;
certificate from the Pension Fund of the Russian Federation on the balance of funds of the MSC (its validity period is 30 days);
passports of the borrower and (if any) of the co-borrower, which may be the second spouse;
marriage or divorce certificate;
documents certifying the birth of children;
documents for the acquired property:
- sales contract and Bank details to transfer money to the seller;

Since 2007, a support system has been operating in Russia, which is designed for families with 2 or more children. main goal maternity family capital is considered to improve the lives of its owners. Funds can be spent on improving housing conditions, paying for the education of children or forming a mother's pension.

The program has been working for 10 years, but still many do not quite understand the principles of its use. Now you can get a loan for maternity capital. Reviews indicate that if you know all the subtleties of this procedure, no difficulties will arise. Loans are issued for the construction or reconstruction of residential facilities, as well as for their purchase. Now there is an opportunity to get a mortgage at a favorable interest rate.

concept

Many make out a loan for maternity capital in cash. This is a financial transaction in which the bank provides specific amounts to the family. Maternity capital is used to pay off a loan or close a debt.

The transfer of funds from the financial institution to the recipient is controlled by the Pension Fund. He also approves applications. If the fund allowed to transfer funds to pay the loan, then you need to choose the appropriate bank and complete the transaction.

Types of loans

The state program for obtaining maternity capital was adopted to help families in which a second child was born. The state provides a list of directions for receiving it. It is important to issue a targeted loan, which involves indicating in the loan agreement the very direction of the use of funds. Reports must be submitted to the social security authorities.

A loan can be obtained to improve housing conditions. You can use it on:

Getting a mortgage.
Shared ownership.
Building your own home.

By law, it is allowed to pay with money from the maternity capital of a mortgage that was issued before the birth of a second child. And it doesn’t matter who the loan was issued to: the mother or the father. There are no government restrictions on this issue.

Legality of the transaction

The pension fund controls whether the norms of the law are observed, according to which it is possible to issue a loan for maternity capital. Reviews confirm the need for a legitimate deal, since violations in this area are severely punished. Loans are issued after the approval of the application by the Pension Fund. Only then will the transaction be considered legal.

Refusal to pay funds may be due to the following reasons:

Incorrect filling of the application.
Errors in documentation or illegal documents.
Misappropriation of loans.

The loan must be used strictly for its intended purpose. And this is confirmed by official documents.

Failure cases

Although confirmation from the Pension Fund is required, banks still put forward their own conditions. Only if they are observed, you can get a loan for maternity capital. Reviews confirm that it will not work to get a loan in the following cases:

There is no stable income.
There is no official salary.
There are difficulties with the payment of previous loans.

The pension fund considers the application for 2-3 months. If you build housing on your own, then you need to submit documents before the start of the construction season. The procedure for obtaining funds is quite complicated, but customers are provided with long payment terms and low rates. Some banks offer special conditions and benefit programs for large families. They have the opportunity to get a profitable mortgage.

Terms

A loan is the receipt of money that must be repaid with interest. Credits are provided only by banks, and loans are issued financial institutions, individuals, state. This is the difference between services. Under what conditions is a loan for maternity capital issued? Reviews indicate that you need to spend money on increasing square meters housing or purchased property.

Loan processing may be earlier, and with the birth of a second child, the debt should be paid with the help of maternity capital. If the house is built independently or reconstructed, then it will be possible to receive the necessary funds in the PF 3 years after the birth of 2 children. A targeted loan for maternity capital is issued based on the norms Civil Code RF. The certificate allows you to pay the principal amount and interest. The procedure is carried out in a non-cash way: the Pension Fund transfers funds to the organization that issues the loan.

Applying for a loan up to the age of three

By law, issue housing loan under maternity capital is possible after the second child is 3 years old. But in this case, there is a way out when you can use the funds after receiving the certificate. If the money will be spent on the purchase of housing, it is better to choose mortgage lending.

As already mentioned, about two years ago, a bill was adopted, according to which it was possible to use maternity capital money on an already issued mortgage, as well as transfer the first payment after the birth of a second child. If you deposit these funds, it reduces the time for paying off the debt. This opportunity makes life easier for families whose housing problem has not been resolved.

Maternity capital allows you to close the main part of the debt and interest. If there is a delay, penalties, fines, they will need to be paid on their own. From the funds provided by law, you can pay both the entire housing loan for maternity capital, and part of it. You can leave a certain amount, as it is indexed every year.

Housing construction and renovation

A targeted loan for maternity capital for the reconstruction of a house that is already owned. But it is necessary to correctly arrange these works. When they are performed, they must be documented. Repair work suggest an increase in the living area of the building.

It turns out that the funds cannot be spent on replacing windows, plumbing, floors, wallpaper. Funding can be used after the child is 2 years old. But the work may be completed earlier. It is necessary to coordinate actions with the FIU and document all expenses, and receive compensation from the 3rd birthday of the child.

Restrictions

Before you take out a home equity loan, you need to familiarize yourself with the restrictions. When applying for it, you need to fulfill several requirements of the PF:

Purchased property must be the property of all children and parents in equal shares.
You can pay off the debt, issued before receiving the certificate.
Can't pay debts
Although the certificate is issued to the mother, the father, as well as the person who adopted the children, has the right to use it.

Applying for a loan at Sberbank

A loan is issued for maternity capital in Sberbank. This procedure has the following features:

The bank must make sure that the client pays the debt. Therefore, it is necessary to prepare proof of solvency.
The amount issued by the bank, as well as the funds from the certificate with the family income are summed up.
Over the next 6 months, you must submit an application to the FIU for the transfer of funds to pay the mortgage. This must be done as soon as possible, since interest is transferred from this amount.

Such loans are also offered in other banks. The conditions in each institution may vary slightly, but in general the procedure is similar. If the clients meet all the requirements, then they are approved for loans.

Required documents

To apply for a loan for maternity capital - at Sberbank or another institution - you need to collect some documents. Their list includes:

Certificate.
Spouses' passports.
Marriage certificate.
SNILS.
Loan agreements.
Bank statements.
Loan application.
Property certificate.
Confirmation of the transfer of funds by non-cash method.

Taking an urgent loan for maternity capital, a young family acquires its own comfortable housing. Before applying, you need to familiarize yourself with the terms of the loan, so that in the future there will be no difficulties. It is advisable to consider the programs of several banks, and then choose the most suitable one.

Before transferring the certificate funds, you need to decide for which area the money is needed. After all, in addition to improving housing conditions, the program is intended for other purposes. Keep in mind that the amount increases every year. This money is a great investment for the future.

In today's difficult economic situation, many people turn to banks for loans. Loans for some become the only way to acquire their living space. Many people want to get information about the terms of a loan for maternity capital at Sberbank. Active assistance from the state allows you to get rid of part of the burden.

This implies that it is possible to spend maternity capital on a mortgage at Sberbank. You need to understand everything in order.

Where can maternity capital be spent?

Maternal capital is a kind of subsidies provided by the state to its population. Families with a second or more child become recipients of a certain amount indexed over time.

We must not forget that the family has the right to use funds only after the child reaches the age of 3. Mortgages are the only exception to this rule, and can be spent almost immediately after the birth of children.

It will not work to use capital for any purpose, it has a certain direction. Most often, this subsidy is spent on the purchase of residential real estate. The amount of social assistance is not large enough to fully cover the cost of buying an apartment. That's why mortgage under maternity capital in Sberbank is so relevant today. This bank is also chosen because of the benefits of the loan.

Many parents do not know where to spend maternity capital in Sberbank. The following options are available here:

repayment of part of the mortgage taken before the subsidy was received;
use as a down payment on the issued mortgage.

What is a maternity capital loan at Sberbank?

At its core, a mortgage under maternity capital at Sberbank is an ordinary mortgage. The difference lies only in the presence of a number of restrictions. You can use the subsidy for the following types of housing:

apartments in new buildings;
secondary market apartments.

Family capital is used to pay off the down payment. If you wish, you can increase the amount of the first payment by adding your savings to the amount of the subsidy.

In 2016, the amount of social assistance is 453 thousand rubles, as in 2015. Unfortunately for Last year the subsidy was not indexed by the state.

On what conditions can I get a loan for maternity capital in Sberbank?

Today, Sberbank of Russia offers its clients the following loan programs, which can be issued using the available maternity capital:

improvement of living conditions (exchange of housing for a new one with a larger area);
purchase of housing under construction;
taking out a loan to build a house on your own.

Purchase of finished or under construction housing

For these two types of lending, the conditions at Sberbank are the same. They look like this:

the currency can be chosen not only rubles, but also euros and dollars;
the maximum loan term is 30 years;
the interest rate is set individually, it can vary from 10 to 15% per year;
the minimum loan amount provided by the bank is 450 thousand rubles;
the maximum loan amount is 18 million rubles;
it is obligatory to register the acquired housing as a property (children fit into the apartment).

Not everyone can count on receiving a loan under maternity capital at Sberbank. The client's job requirements are as follows:

total work experience must be at least 5 years;
continuous experience at the last place of work - from six months;
having a job at the time of the loan.

Loan for self-construction

Some conditions for this type of loan differ from those for housing. Money is issued for the same period, not exceeding 30 years. The work experience requirements are the same. And here are the specific conditions of such a loan:

the minimum loan amount is 300 thousand rubles;
the allocated amount is not issued all at once, but in accordance with a special schedule developed on an individual basis;
the interest rate is determined for each client separately.

How to get a mortgage through maternity capital in Sberbank?

Regardless of the direction of the loan, you will have to apply for a loan in the following sequence:

The client writes an application in the prescribed form. Documents included in the mandatory list must be attached to it.
Within 1-2 weeks, the bank makes a decision on the application. After that, documents for the real estate itself are collected (purchase and sale agreement, registration certificate - when purchasing finished housing; documents shared construction, permit papers - when investing in housing under construction; documents confirming ownership of the land, the relevant building permit - when using mortgage funds for self-construction).
An agreement is concluded between the client and the bank. The property is subject to compulsory insurance, it is provided as collateral until the debt is repaid.
When all the documents are in hand, the borrower must apply to the FIU, demanding to transfer maternity capital funds to Sberbank. It is considered within a month. After that, the money goes to the bank account.

To whom is the loan transferred?

Allocated funds on hand are issued only in case of self construction. In other situations, they are transferred from the Sberbank account directly to the account of the seller of the apartment or the developer.

Debt repayment procedure

The receipt of funds in Sberbank can be divided into 2 stages:

transfer of maternity capital money to Sberbank;
monthly repayment of debt in accordance with the payment schedule in the amount established by the agreement.

To make the next payment on a mortgage under maternity capital in Sberbank, you can:

go to a bank branch with cash;
use the self-service device;
use the Sberbank Online system;
set up auto payment for the operation.

After repayment of the entire amount of the debt, the property ceases to be a pledge, and the corresponding pledge agreement becomes invalid.

Maternal (family) capital (MSK) is state program successfully operating in Russia since 2007. In world practice, such an initiative has no analogues. In 2018, the size of the MSC will not be indexed and today is 453,026 rubles. Using this amount, a young family has the right to apply for a loan against maternity capital to buy their own housing, which is not prohibited by law N 256-FZ. Let's talk in more detail about the program, its features, benefits, stages of registration.

Benefits and features of a loan for maternity capital

Important! It should be borne in mind that:

Each case is unique and individual.
Careful study of the issue does not always guarantee a positive outcome of the case. It depends on many factors.

To get the most detailed advice on your issue, you just need to follow any of the proposed options:

Many Russian banks allow the payment of a mortgage loan at the expense of funds from maternity capital. Designed for families special programs, different favorable conditions. You can also take a loan under maternity capital at Sberbank - from a lender that is a leader in lending. The current offer is active until 2021, but its extension is not excluded. So, what is the benefit of obtaining a mortgage under MSC:

Families quickly pay off their debt obligations to the bank.
Often MSC is the only opportunity to purchase your own real estate, improve living conditions.
The program provides for a reduction in interest rates on loans.
It is possible to get housing in a new building by concluding an agreement through a bank partner - a developer company.

In fact, the transaction looks like this - the borrower agrees with the bank that part of the money (for example, an initial fee) will be paid through budgetary funds (MSK), receives permission from the FIU, provides the necessary package of documents and acquires property.

What are loans under MSC for?

It turns out that not all loans are allowed to be repaid with funds from maternity capital. For example, consumer credit It will not be possible to take cash under matkapital. State in represented by the FIU very strictly controls the direction of budget money. No one hands them out - only bank transfer. Therefore, if you are interested in the question of how to get a loan for maternity capital in cash, we are forced to disappoint you with the impossibility of this event. It is permissible to receive only loans aimed at housing needs, namely:

Mortgage.
A loan for the purchase of an apartment, house or part of it, etc.
A loan for building a house or renovating a home.

We also note that payment with a certificate is possible as a down payment, part of the principal debt or the balance of an existing loan.

Mortgage - what is the point?

Each lender puts forward individual requirements for borrowers who want to take a mortgage loan against mother capital. It is permissible to attract co-borrowers to increase the amount of the loan received, but certain requirements are also put forward for them. Preferential rates are offered for young families, there are no commissions for product registration. Below, let's look at what the average recipient of a mortgage loan looks like using MSC:

So, housing purchased on a mortgage against maternity capital must be formalized without fail, as fractional ownership every member of the family. Let's look at a small example of the procedure:

The couple took out a mortgage loan in the amount of 1,800,000 rubles for up to 25 years. In this case, the monthly payment is equal to 20,068 rubles. The family decided to pay off the maternity capital by repaying part of the principal debt, which made it possible to pay off the debt partially ahead of schedule. Now monthly payment family is 16,500 rubles. The bank recalculated the loan to the borrowers in accordance with the terms and the overpayment decreased.

Home loan - what is the risk?

Buying a home on credit under the MSC is possible, both in the primary and secondary real estate markets. However, not all objects are subject to approval by the bank and Pension Fund in particular. The apartment purchased on credit undergoes a thorough analysis. Close attention is paid to:

The period of construction, the technical condition of the property.
The market value of the property.
encumbrance legal purity deals.
Documents provided by the seller of the apartment, house.

We also emphasize what to take on credit using federal funds, for example, a summer house, a summer house, certificate holders will not be able to. Living conditions should be standard (presence of heating, plumbing, etc.).

Credit for construction and reconstruction - the nuances of the example

There are families who are not afraid of the hassle associated with the construction of a private house. In addition, if there is maternity capital, it can be used to repay the corresponding loan. Naturally, the entire amount of the subsidy is not enough to build housing, but the idea is not bad. Let's take another example to understand the issue:

To build a standard frame house in Russia, it will take an average of 3-4 months, depending on weather conditions and the complexity of the design. Approximately 500,000-600,000 rubles will be spent on materials (individual calculation). As you can see, this amount is not much higher than the total amount of MSC, which is 453,026 rubles as of 2018.

A potential borrower can purchase everything necessary for construction in one of the banks of the Russian Federation. After 2 months (the deadline for making a decision by the FIU on the transfer of money), you will be ready to pay the costs of materials for the house. It is also worth considering the cost of work, but if you wish and have the ability to build a frame house, you can do it yourself.

Since 2010, families have been allowed to use maternity capital in order to improve existing housing conditions, but not an apartment, but a private house. Do not confuse renovation with renovation. The first involves making changes specifications, For example:

The creation of an extension is a new capital construction.
Re-equipment of the premises, for example, an attic into an attic.
Etc. work agreed with the administration, leading to an increase in living space (by at least 1 accounting norm of the area).

Among the many Russian banks, only a small part has developed a program and issues loans for maternity capital. Before you apply to them for support to improve your living conditions, carefully read the list of institutions that will officially, without deceit and sky-high offers, give you funds as a mortgage.

Banks that provide loans for maternity capital:

The specialists of these banks have received special training in order to clearly understand the intricacies mortgage lending and consult clients at the highest level.

Bank of Moscow

The Bank of Moscow offers two directions mortgage use maternity capital - "Ready housing" and "Housing under construction".

You can learn more about what the Bank of Moscow has to offer on the about page.

Sberbank

Today, Sberbank has extensive experience in working with mortgages. It performs lending for virtually all home improvement programs.

You can learn more about the capabilities of Sberbank clients on the about page.

UniCredit Bank

UniCredit Bank has developed two programs that allow you to attract maternity capital funds for the purchase of housing - "Loan for the purchase of an apartment" and "Credit for the purchase of a cottage".

DeltaCredit Bank

DeltaCredit Bank has developed the program "Lending with maternity capital" especially for families who plan to get a mortgage, having a maternity capital certificate.

VTB 24

VTB 24 Bank issues a loan amount derived from your income and maternity capital. By receiving the funds under the certificate, you partially repay the mortgage debt.

You can learn more about the possibilities of VTB Bank clients on the about page.

Nomos Bank

Nomos-Bank has developed two ways to attract family capital and mortgage loans to improve living conditions.

You can learn more about the conditions provided by Nomos-Bank on the about page.

Primsotsbank

Primsotsbank has developed a mortgage lending program, taking into account the possibility of using maternity capital, and provides an opportunity to purchase an apartment, as well as payment under an agreement equity participation in construction in those construction projects that are accredited by the bank.