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Among the many Russian banks, only a small part has developed a program and issues loans for maternity capital. Before contacting the improvement housing conditionsCarefully read the list of institutions that officially, without deception and transmission proposals, will give you funds as a mortgage.
Specialists of these banks have undergone special training in order to clearly understand the subtleties mortgage lending and hold consultations at the highest level.
Bank of Moscow offers two directions mortgage use parent capital - "Ready housing" and "housing under construction".
To learn more about what the Bank of Moscow can offer, you can on the Mortgage page in the Moscow Bank for Maternity Capital.
Extensive experience with the mortgage today has Sberbank. It fulfills loans for almost all the program for improving housing conditions.
You can learn more about the possibilities of Sberbank's customers on the Mortgage page in Sberbank for Maternity Capital.
In UniCredit Bank, two programs have been developed that allow you to attract maternal capital to buy housing - "Credit for the purchase of an apartment" and "Crediting Cottage".
More information about the possibilities provided by UniCredit Bank, you can find out on the Mortgage page in UniCredit Bank for Maternity Capital.
Especially for families who plan to arrange a mortgage, having a certificate for maternity capital, Deltacredit Bank has developed a program "Lending, taking into account maternal capital".
You can learn more about the possibilities of Customer DeltaCredit Bank on the Mortgage page in DeltaCredit Bank for Maternity Capital.
VTB 24 Bank issues the loan amount derived from your income and maternal capital. Having received funds for the certificate, you partially expect a mortgage debt.
You can learn more about the capabilities of the VTB Bank's customers on the Mortgage page in VTB 24 for maternity capital.
The Nosos-Bank has developed two directions of attracting family capital and mortgage loan to improve living conditions.
You can learn more about the conditions provided by the Nosos-Bank on the Mortgage page in the nos-bank for maternity capital.
PrimoSotozbank developed a mortgage lending program, taking into account the possibility of using maternal capital, and provides an opportunity to purchase an apartment, a stake in the apartment, a room, as well as payment under the contract participation Construction in those construction facilities that are accredited by the Bank.
You can find out more about the possibilities of clients of PrimsoCBankbank on the Mortgage page in Prim Socanbank for Maternity Capital.
My husband and I planned to take an apartment in a mortgage. Our family has become more and now the place has not been missed everyone. Now thanks to this article, I know which banks should handle the maternal capital, and which is not. I would not want to stumble upon fraudsters
It is good that there is such a site, because many questions arise when you are going to finally use the maternity capital.
The colleague went to some bank to find out how to take a mortgage loan with the participation of the mat. Kapital, he did not say anything intelligible there.
We have not yet decided what we will do with your.
We have not yet decided what we will do with your maternal capital. Many questions arise when you are going to finally use it. The colleague went to some bank to find out how to take a mortgage loan with the participation of the mat. Kapital, he did not say anything intelligible there. As a result, I also did not use.
I, if I take a mortgage for maternity capital, I will take it in Sberbank. The bank is famous, reliable and housing program I like him. Against branches and ATMs again much, easy to pay loan. And specialists in it work competent and benevolent: everyone will tell and explain if something is incomprehensible.
What banks in the Crimea work with the Maternal Capital Program?
Hello. I want to buy before the mat Capital, in which bank to go? Tell me.
Hello, I want to take a mortgage loan under the mat. Started to buy a house in the amount of 425 thousand rubles. Through which bank you can, if my daughter is 5 months. And we need housing? I am a single mother, credit history Excellent.
Oksana, go to Sberbank. They give the amount of maternal capital without problems. Moreover, this is the only one, as I know, the bank through which the Registration Chamber does not put burden on housing.
In other words, you buy a house and it will legally fully will be yours, it is not necessary to distribute the shares among themselves and children, and you can sell it if there is such a need. It's just not saying about it out loud. But it is a loophole in receipt of the Matkapital))
Yes, of course, waiting for you in a slaughter ... I do not understand why we do not give a mortgage! To purchase, I miss some 300 thousand, plus the apartment in a pledge of the bank. And about the maternity capital as soon as you communicate, the bank is beginning to demand a certificate of 2-NDFL! And I'm on the decret and waiting for the third child. Whereas in our country to buy an apartment? And what is your difference, in the maternity decree, or not, if my husband works and can afford a purchase, we just need time a couple of months ...
pro-Materinskiy-Kapital.ru.
The Russian Federation has several fertility stimulating capabilities. Demographic situation There is still no satisfactory in the country, so the most different tools use to correct the current situation.
One of these is the Maternal Capital program, which started in 2007. This project is implemented through the provision of material support to families in which the second child was born or was adopted.
Obviously, obtaining funds occurs under certain conditions established by law. Each year the government of the country makes some edits and additions to the sphere under consideration. In this regard, it becomes relevant to the study of the current characteristics of the program, as well as the study of how to cash out the maternity capital, taking into account all norms.
Problems with law may cause serious trouble.
Therefore, first of all it is worth considering legal methods Implementation of maternal capital:
It should also be found at how quickly getting material support illegally. This is usually done through small mediators. Obviously, the services provided will need to pay.
The scheme of operation of such companies is quite simple:
- Property is purchased in some far settlementFor documents, the cost of housing corresponds to the size of maternal capital.
- After that, this firm makes a loan, and documents on credit are redirected to the Pension Fund. The condition of housing is not checked by anyone.
- The MK funds are transferred to the company's account, they leave themselves due, and the rest is listed by the client.
But it is important to understand that in most cases, simple scammers are engaged in these, who are deceived not only the law, but also those with whom they work. Also, in case of opening the fact of the recipient, the recipient may be liable under the article "Fraud".
To know how to cash out maternity capital, it is enough to visit the local PF office where the instruction is described in detail. The design procedure becomes available after the child is fulfilled 3 years.
To submit a request, you must go to the Pension Fund office, fill out a sample of the appropriate application and provide the following documents:
- certificate of ownership of housing;
- a copy of the loan agreement or the balance of debt;
- extract from the financial institution about debt payment.
In some cases, additional papers may need, and to familiarize them with the full list of documents, it is recommended to contact the address of the application
Get the maternity capital in cash can actually in any credit organization. The basic condition is at the same time - borrowed funds Must had to improve housing conditions. In 2015, another method of target cashing of MK through the bank - repayment mortgage loans.
With material support of this kind, several enough large companies Countries, offering their customers favorable loans.
In particular, the following banks can be distinguished with the most attractive credit characteristics:
The project is under consideration, according to which it will be possible to cash out the MC and consumer projects. However, such conditions have not yet gained enough votes for approval, so it should not be counted for the nearest introduction.
More information about the use of maternal capital to repay mortgage - can be found here.
The legislation provides for the possibility of obtaining funds, without waiting for the expiration of a three-year term. You can select two options in such a situation. And these methods are quite legal.
The underlying condition is the acquisition of housing. The Federal Law of the Russian Federation establishes that the family has the right to cash with funds for the purchase and repair of the house.
It should be borne in mind that competent services will check out the compliance of the facts and documentaries. All actions should be agreed with PF, otherwise the organs decide that everything was carried out illegally.
Another way is to buy housing on a loan. IN this case Family can use MK to repay real estate debt.
In this situation, the documents will also need to evoke that the money goes precisely on loan payments, and not to satisfy other interests:
- mortgage agreement;
- documents confirming the availability of bank accounts;
- payment receipts;
- extract for income and expenses;
- document on the implementation of relevant work.
All papers are provided to the Pension Fund, which subsequently checks for compliance with actual results.
In addition to various commercial banks working with maternity capital, there are also certain credit organizations that are issued issuance money secured by state material support. They take for the provision of such services almost twice as much as in the KB.
In fact, the bank oversees the mortgage agreement, thereby getting installed funds. The client in the meantime acquires cash that can dispose on the intended purpose.
Concerning credit companiesThe issuance of such loans is accompanied by certain nuances and difficulties, which determines the increased value of their services. In order to get some help in resolving the current situation, you can visit the site with legal information or contact directly to a specialist for advice.
Request is submitted to the Pension Fund Russian FederationTherefore, it is possible to find information on the legal basis for obtaining MK in the nearest branch.
Often parents in the desire to obtain as soon as possible to obtain at least some of the funds from the parent capital are resorted to the help of unqualified persons. In particular, this concerns organizations carrying out the intermediary function. In essence, they can help in this situation.
But it is important to take into account that this is a very risky enterprise, which threatens if not a loss of finance, then bringing to responsibility due to violations of the law.
- do not conduct operations with MK without the participation of the Pension Fund;
- not to conclude transactions with dubious firms, information about which is not reflected in official sources;
- when taking a loan to improve the housing conditions, only major banking institutions with a reputation as a reliable credit partner;
- no need to impose false information when receiving MK or try to purchase a certificate without legal grounds.
Do not follow the norms of the law, as it threatens serious consequences. In addition, the Government of the Russian Federation in 2018, changes were taken, expanding the scope of the use of MK perfectly legally.
Maternal capital is issued in accordance with strict standards, but this does not stop certain citizens in the acquisition of funds in an illegal way.
To begin with, it is worth considering a semi-legal method - a fictitious agreement is drawn up between relatives about the acquisition of an apartment, as a result of which the recipient acquires cash, and the child is only registration in the documents.
But it is important to remember that today the verification of such situations has tightened significantly. Therefore, in the case of opening fraud, the intruder may be criminally responsible.
In addition to semi-commercial methods, there are also "black" schemes with high risk. In particular, this concerns the conclusion of an agreement with sufficiently dubious firms, which using illegal ways can help cash with MK.
This is usually carried out through the purchase of dilapidated housing somewhere in the outback. Acquisition documents are sent to the Pension Fund. Check at home is not carried out, so in most cases the transaction is approved. The company receives a part of the mediation, and their customer Cash.
On the this moment There are not many ways to cash out state material support. Therefore, many citizens are inclined to fraudulent methods for the early achievement of the goal.
But it is important to understand that such events are threatened not only by the complete loss of funds, but also a real prison term that will leave a trace for reputation for life.
Legislation of the country every year introduces new changes in the provision of maternal capital. Therefore, it is necessary to track as you can get money before and after 3 years where to contact this and how much you need to wait for the design of the appropriate certificate.
Do the maternity capital give for 3 children - read in our article.
calculator-IPOTEKI.ru.
The choice and assessment of mortgage loans implies knowledge of the cost of real estate, size initial contribution, credit and credit rates. Interest rates of mortgage banks in their comparison are crucial when choosing an investment bank. The economy of the country is in crisis state, it affected both the construction industry and the banking sector.
Housing prices have declined, and there are no mortgage rates of banks. This is due to increasing risks in the construction industry, banks are forced to reinsure and therefore lay down fairly high interest rates for lending to the purchase and construction of housing.
Modern mortgage lending condition can be assessed as negative. In 2018, the decline in the volume of mortgage lending in the absolute majority of banks of Russia continues (http://rusipoteka.ru/).
Causes lies in the deterioration of the country's economy caused by the fall in oil prices and sanctions entered by Western countries, against Russia. The incomes of citizens of Russia are reduced, many are not able to repay a mortgage taken earlier in more fat years.
The construction industry is in stagnation, banks do not give credits to construction organizations, stopping housing. The market remains large players who have a rather strong material base, but they also experience difficulties in continuing financing the launched construction.
Banks offer mortgage lending, but a borrower and construction organization for solvency and reliability are very carefully tested.
The state is actively included in the mortgage lending process, providing subsidized loans to some banks for issuing borrowers by reduced rates lending. At the moment there is a mortgage lending program with state support. For the category of borrowers with average incomes, it establishes a constant interest rate for the entire loan period (Government Decree of March 13, 2015 No. 220 "On the rules for granting subsidies to Russian credit institutions and a mortgage-housing lending agency for reimbursement of drop-down income on the housing issued (Mortgage ) loans. ").
Interest rates on the mortgage in different banks Russia is not too different from each other, today they range from 11 to 15%. With this level of rates, the scatter is 1-3% not so significant. It is much more substantial to participate in mortgage programs, emanating from the state, such as mortgage with state support. In this case, the banks of borrowers can get a state subsidy and can reduce rates up to 7-8% and not exceed 13%, and if they keep in mind that the level of inflation in the country above 13%, it can turn into good profitable investments.
Of course, the period of payment mortgage loan It does not allow to assert that this level of inflation will continue all the time, and the program state support Limited until 2018, although in the government consider proposals for its extension.
But it should be borne in mind that the number of banks with state support for such mortgages is very limited and it applies to objects housing construction With the participation of the state in it. The category of citizens who have the opportunity to receive such lending are limited, the initial contribution of 20% of the value of the credited object can be accompanied by each borrower. In addition, the borrower binding to objects with the participation of state co-financing of construction and construction organizationshaving a borrower agreement with a borrower also narrows the choice of a borrower of real estate. In some banks (Sberbank of the Russian Federation and others), the mortgage under the state support program includes in addition to new buildings, apartments in the house under construction, houses or cottages with land and townhouses.
Mortgage on secondary housing demonstrates more high percentages From banks of creditors, on average, 2-3% higher than the primary housing. For example, VTB 24 offers lending to such a mortgage at a rate of 14%, but with an initial contribution of 30% and limited loan size of 2.8 million rubles. Sberbank offers a more profitable option: interest rate 13.5%, initial contribution from 20%.
If you compare the interest of banks on the mortgage of non-participating in state Program Mortgage support, then average level interest rate hesitates from 11 to 15%. Reducing rates against 2013 in them occurred for many reasons, including due to competition with banks received state support for subsidizing interest rates. Below will be a comparison of interest rates for banks with state support and without it.
ipoteka-expert.com.
Since 2007, Russia has been implemented in Russia federal program Family support with children. The Federal Maternity Capital in Khabarovsk and the Khabarovsk Territory in 2013 received more than 4,000 families. More than 70% of those who already have the right to dispose of funds by capital, spent it in whole or in part, buying an apartment.
- Maternal Capital for the purchase of housing in the city of Khabarovsk directs most of those who decide to improve their housing conditions.
- The rest of the families either have not yet decided where to send funds received in the form of help from the state, or ordered them by paying educational services to children, or directing the mother's pension.
The Khabarovsk Territory has regional maternity capital. It has been operating since 2011 and is a significant additional support measure. large familiesliving in the territory of the region.
It is necessary that the following conditions are followed:
- parents and third (or subsequent) children should have Russian citizenship;
- the family must constantly live in the territory Khabarovsk Region;
- the third or subsequent child should be born after July 1, 2011.
The Government of the Khabarovsk Territory The size of regional family capital is established in an amount of 200,000 rubles, and this amount exposed to annual indexation. This is one of the highest sizes. regional Capital in Russia.
To date, more than 5,500 families have received the right to this species Capital, while only 270 families managed to dispose of the funds received.
Use the maternity capital issued by the regional authorities in Khabarovsk in the following directions:
- to improve housing conditions (including for paying debt and percentage of mortgage);
- to pay for the receipt of children's children;
- to pay medical serviceswhich can be provided to both children and parents (you can pay for services of any medical institutionlocated in Russia and eligible for providing such services).
From January 21, 2014, it is possible to dispose of capital loans (including mortgages) by paying out housing loans (including mortgages) without waiting for the child's biennium.
The following regulatory, regulating the procedure for obtaining and paying regional family capital, adopted in the Khabarovsk Territory:
materinskij-Kapital.ru.
Conditions for obtaining mortgages in banks of Nizhny Novgorod, interest rates on mortgage loans for an apartment in a new building. Compare interest rates, select the cost of the apartment, credit period, initial fee. Calculate yours monthly payment By mortgage using the Calculator online.
Mortgage programs from leading banks of Nizhny Novgorod to the purchase of houses and cottages, rooms and apartments in new buildings and in the secondary housing market, suggestions for refinancing existing mortgage loans for residential real estate and land plots.
Rent cells from 1 week and from 200 rubles., Convenient work schedule, storage of valuable property, guaranteeing transactions, confidentiality and security guarantee.
What just don't people go to get more money. Someone is sitting on the second job, someone is trying to become an investor and put their money correctly, and someone simply steals among his own children. More details
Mortgage in banks of Nizhny Novgorod will allow you to solve problems with housing to save the need to save an impressive amount. Using our service for the selection of mortgage loan, you can choose the most favorable conditions for buying an apartment. BankNN has collected information from all banks of our city, and presented it in a convenient tabular format. Choose a real estate object (house, apartment in a new building, land plot Etc.), indicate the amount of the loan, currency, credit period, the size of the initial contribution, the interest rate on the mortgage and the commission for issuing. After that, you filtered the most profitable offer, among which you can find the most appropriate for you.
Choosing a specific proposal, you can send an application to the bank, or apply for a mortgage in all banks of Nizhny Novgorod. It is very convenient because you will save you time, and money. After submitting an application, the banks will contact you within a few working days and reported whether a mortgage loan was approved on the conditions proposed by you. Even if in the application with your conditions will refuse, the bank will give consultation, which can be done so that the loan is issued.
For some social groups in Nizhny Novgorod there are special conditions for mortgages. For example, young families can take a loan for the purchase of housing with a reduced interest rate. The military is also beneficialed. And of course you should not forget about the maternity capital. Mortgage loans using maternal capital is the most popular way to buy new apartment For Nizhny Novgorod families who have more than one child.
When designing mortgage Loan Maternal Capital can be sent to the initial fee or partially early repayment Mortgage. The first installment may be lower by 10% compared with the conditions of standard programs.
The program is designed for families in which two children or more. Going to improving housing conditions with the attraction of mortgage with maternal capital in Rosbank, you can:
a) reduce the volume own fundsnecessary originally for buying housing;
b) save time: the transfer of funds to the bank's account is made by cashless payment from the Pension Fund;
c) optimize mortgage conditions - using maternal capital on partially early repayment can be reduced the size of monthly payments or credit period (to choose a borrower).
Requirements for the mortgage lending borrower
Customers who wish to take a mortgage (housing loan) for maternity capital must comply with the following requirements.
-
Common, or basic, installed by the Bank For any program: age from 20 years at the time of registration and up to 65 at the time of repayment, confirmation of the employment experience (at least 6 months at the last place of work) and solvency.
-
Private, provided by the special program "Lending, taking into account the maternal (family) capital": availability of the relevant state certificate On and certificates from the Pension Fund of the Russian Federation on the amount of funds provided to you.
What can be bought in a mortgage for maternity capital?
Property and primary and secondary markets are available for lending. By type of housing it may be an apartment, share in the apartment, room, vacation home. Rosbank's programs allow the potential borrower to choose the option of living space, pushing out of their wishes and opportunities.
For example, more and more popular, especially among large families with children, becomes accommodation outside the city. After placing a mortgage (loan for housing) for maternity capital to a country house, you will provide yourself to the space, the beauty of nature, clean air and independence from the neighbors without refusing comfort - at home in modern villages have the necessary communications, they are warm and reliable.
Take a mortgage under the maternity capital to the apartment or room in the secondary market - it means to expand the existing living space (if, for example, we are talking about the last share) or take care of the future (to invest in credit to purchase a separate accommodation for the younger child).
And of course, within the framework of the program, you can make a mortgage for maternity capital to the most popular type of real estate - an apartment. In the case of a "secondary", this opportunity does not postpone moving and not wait for the development of the infrastructure of the district; Housing has a cost below square meter And initially a small initial contribution, which, with mortgage under the maternity capital, can be further reduced. You can clarify more detailed information from our specialists.
Whatever market and the type of real estate you did not interest you, a loan in our bank will help to make a conceived and make a long-awaited acquisition. Do not miss your chance, because mortgage lending with maternal capital and additional options are a convenient and effective tool for solving a housing issue.
Check out special offer Rosbank
When the family gets the right to state support at the birth of the second child, the most difficult question For her - in which bank you can make a mortgage on favorable conditions? Consider the rating of banks offering maternity capital as the initial contribution of the mortgage.
Given the statistics of past years, the most sought-after use state aid It is a "improvement of housing conditions." The state strictly regulates the conditions for the use of maternal capital. According to federal law Permission to use funds partially or in full may be considered by the FIU 3 years after the child's appearance in the family. There is an exception to this rule: funds from the capital of capital can be used until the three-year-old child in the framework of obligations related to housing loans.
Given the fact that the total amount of state support in the amount of 453,026 rubles in 2018 is not enough to acquire their own housing, it remains to consider the options for mortgage lending. When making a housing loan, banks put forward a mandatory requirement - payment of the initial contribution. As a rule, it is 20% of total amount loan. By issuing a property purchase agreement for no more than 2,265,000 rubles, the total amount of family capital is fully enough to pay for the first contribution.
Requirements for the borrower when making a mortgage
To use maternity capital, as an initial mortgage fee in 2018, the borrower must comply with the standard requirements for banks:
- The presence of good credit history;
- Permanent income (monthly mortgage contribution should not exceed 40-50% of your income);
- The duration of continuous operation (6 months, in some banks - 3 years).
Maternal banks
Of all the many credit institutions in the Russian Federation, only some banks represent the programs of mortgage loans within the use of family capital can be called. Consider financial institutions With the most profitable mortgage programs under the mat Capital in 2018:
- Sberbank of Russia;
- Deltacredit Bank;
- UniCredit Bank;
- VTB 24;
- Bank Russian capital.
The criteria for the work of banks with maternal capital differ in the size of the initial contribution, the type of housing acquired, interest rate, credit period.
Mortgage plus maternity capital in Sberbank
Sberbank proposes to issue a loan for living real estate, sending funds from the capital to pay for the initial contribution. Potential borrowers can take advantage of one of the programs presented:
- Purchase of finished housing;
- Buying housing under construction.
Credit for the purchase of finished housing
The program operates in the framework of the action for young families with a basic interest rate of 8.7% per annum. Subject to the design of the electronic registration right of ownership annual percentage The loan decreases by 0.1%. These interest rates are relevant, subject to receipt of the salary on the Sberbank card, or if the real estate object chosen by you was built on credit funds bank.
In case of non-compliance of the above requirements, allowances are provided:
- + 0.5% if you are not a member salary project Sberbank;
- + 1% If you did not use the life and health insurance program, according to the Bank's requirements.
The participants of the program "Young Family" can count on a discount on the annual interest rate by 0.5%. Required condition - The age of one of the spouses should not be over 35 years old. Such a discount can take advantage of single parents up to 35 years old.
The maximum loan period is 30 years. The initial contribution of 15% can be paid from maternal capital. You can send an application online on the portal "Domklik". When buying an apartment on Domclick.ru you can save, receiving a discount of 0.3%.
Sberbank offers a mortgage loan for the purchase of an apartment in a new building for maternity capital. The terms of the loan provide for a reduced interest rate - from 7.4% per annum. Interest rate on general conditions is 11.5%. To reduce it to 7.4%, it is necessary:
- Purchase real estate in certain developers (the loan rate is reduced from 1.5-2%, depending on the loan term);
- Establish an electronic registration of the transaction (-0.1%);
- Use life and health insurance in Sberbank Insurance company (-1%);
- Confirm your income documented (-0.4%);
- Receive salary on the Sberbank card (-0.5%).
The discount from developers is valid only under a loan period of up to 12 years.
The terms of the action "Acquisition of housing under construction" provide for the possibility of issuing a loan with two equal parts. The first part is issued after registering the contract of equity participation, the second - before signing the gear ratio.
The loan is issued for a period of up to 30 years. The maximum amount is 85% of the cost of real estate purchased on a loan or other object decorated in a deposit. The initial contribution (15%) is possible to pay for maternal capital.
Mortgage for maternity capital in DeltaCredit Bank
By purchasing real estate in the mortgage using the DeltaCredit Bank, you can count on the possibility of using the capital mat as an initial contribution or early repayment of the obligation. The size of the initial contribution ranges from 10-40% of the total amount and depends directly from the type of real estate you chose. If the amounts of maternal capital are not enough to repay the first contribution, the borrower must make additional funds.
The potential borrower can choose real estate both in the primary and in the secondary market. The choice of the type of housing is quite wide. It can be:
- The apartment is the initial contribution of 15%;
- Share in the apartment - 10%;
- Room - from 10%;
- Country house - 40%.
DeltaCredit Bank does not advertise the amount of mortgage interest rate, arguing that this factor loan agreement It is considered individually. In this direction was developed special program "Appoint your bet", the principle of which is to reduce the loan rate when making an amount equal to a certain percentage of the total loan amount.
Thus, the mortgage rate on the loan decreases by 0.5% with a sum of 1% of the total cost of the loan, by 1%, by payment of 2.5%, by 1.5% by paying 4.5%. Used credit calculator On the official website of the bank, you can find out the size of the base rate - 10, 75%.
The frequency of repayment of the mortgage in Deltacredit Bank - 1 time in 14 days. This allows each year to carry out additional 2 payments, which contributes to the reduction of the loan period.
Mortgage for maternity capital in UniCredit Bank
The mortgage in UniCredit Bank can be taken for a period of 1-30 years, paying the initial contribution of from 20-50% depending on the type of residential real estate:
- 20% - when buying an apartment or apartments;
- 50% - when buying a residential or garden house, townhouse or cottage.
In this case, the size of the initial contribution may be reduced by the amount of maternal capital. One of the main conditions of the bank when issuing a loan is to purchase an apartment in under construction residential buildings Or a land plot with a home located on it from a specific list of objects.
The maximum loan size is 9,000,000 rubles. The interest rate is fixed, with an initial contribution of 20% - 10, 9%, in the amount of 50% - 12.25%.
The obligatory requirement of the creditor is the location of the employer and the address of the registration of the transaction participant within the Russian Federation, with the exception of the Republic of Crimea and Sevastopol.
Maternity capital, as an initial mortgage fee in VTB24
VTB24 offers 3 options for using maternal capital:
- As an initial contribution of mortgage;
- For repayment of the loan;
- Increase loan amount.
The interest rate on the mortgage loan in VTB24 depends on the loan period and the size of the initial contribution. Minimum bid - 11.9%, the maximum is 14.45%. The conditions for participation in the "Mortgage + Maternity Capital" program determine the minimum amount of the loan in the amount of 600,000 rubles. The initial contribution can not be less than 10% of the cost of the apartment. The maximum loan period is 30 years.
VTB24 is 2. credit Productoperating within the program "Mortgage + Maternity Capital":
- New building;
- Secondary housing.
Mortgage for Material Capital in Bank Russian Capital
Young families who are owners of maternal capital can take advantage of mortgage lending programs from the Bank of Russian Capital. The certificate can be used to reduce the size of the initial contribution and increase the sum of the mortgage loan. The "Maternal Captal" option is compatible with the following mortgage programs:
- Purchase of finished housing;
- Acquisition of housing under construction.
The interest rate on loans is a variable and can be indexed depending on the value of the index consumer prices on goods in the Russian Federation.
Acquisition of finished housing
The program is aimed at purchasing an apartment in a residential building or townhouse on the primary or secondary market, including in the house of a blocked building, on preferential terms. The amount of interest rate varies from 9-11.1% per annum, depending on the sum of the initial contribution. The minimum initial fee is 20%. The loan is issued for a period of 3-30 years in the amount of up to 20 million rubles.
Acquisition of housing under construction
It is possible to purchase Russian capital under the mortgage program of the bank under construction only in facilities accredited by AHML. Borrowers can acquire real estate in facilities under construction by entering into a contract of participation in equity construction.
- Annual loan percentage - 9%;
- The minimum loan period is 3 years, maximum - 30 years;
- Loan amount up to 20,000,000 rubles.
Conclusions: In which bank to take a mortgage?
By comparing the conditions for issuing mortgage loans for banks of competitors, it is possible to say with confidence that the Sberbank of Russia is the most profitable program. This is a confirmation of this is the lowest loan rate - 7.4% per annum and the fact that the amount of maternal capital is enough to use as an initial contribution (15%) when buying real estate, worth up to 3 million rubles.
How to make a mortgage with maternal capital?
What documents should be submitted to the FIU when making a mortgage for maternity capital?
To make a mortgage with the involvement of maternal capital, it is necessary to prepare 2 packages of documents: to the bank and in pension Fund.
Documents for the FIU:
- Certificate owner personality certificate
- Statement of the established sample on the transfer of money to the bank;
- Original certificate of family capital;
- When designing mortgage contract On the spouse, it is necessary to submit his passport and the certificate of marriage registration;
- A copy of the mortgage lending contract;
- Notarized obligation about equity registration ownership (no later than 6 months from the date of repayment of the loan);
- Technical documentation for the object of real estate confirming its compliance with housing conditions.
Documents requested by the Bank for Mortgage Credit for Maternity Capital
There is a standard package of documents required by banks for the use of maternal capital as an initial contribution to housing loan. This list can be supplemented in connection with the individual requirements of the credit institution.
- Photocopy and original certificate of capital mat;
- Certificate of the amount of the balance of funds issued by the Pension Fund of the Russian Federation;
- Help 2 NDFL for 6 months;
- Reduss;
- Copies of the latest taxed declarations;
- Real estate purchase agreement;
- Applicant passport;
- A copy of documents establishing the right to purchase housing;
- Copy of the cadastral passport.
How to get maternity capital?
Before contacting the bank with a statement for making a mortgage loan for maternity capital, it is necessary to obtain an appropriate certificate. It is issued in the Pension Fund of the Russian Federation when providing a mandatory package of documents:
- Certificate of the birth of the second child;
- Mother's passport;
- Application for obtaining a certificate of the established sample;
- Reduss;
- Form 9.
The application is seen within one month, then the certificate should be issued.
Requirements for real estate
Maternal capital can be aimed at purchasing residential real estate in strict accordance with the following conditions:
- Real estate must be within the Russian Federation;
- Availability of connecting the necessary communications;
- Recognition of residential real estate suitable for residence;
- Issued in shared property All family, including children.
In case of non-compliance with the conditions described above, the FIU may refuse to use the funds of the capital mat.
The procedure for making a mortgage loan with the involvement of maternal capital as an initial contribution
The design of the transaction requires simultaneous interaction with two organizations: the Bank and the Pension Fund. The first thing to start - to file required documents In the FIU to obtain a certificate. As soon as the application is reviewed, and you will receive the appropriate document, you can start monitoring mortgage programs In various banks working within the framework of state support.
Next Stage - Collection necessary package documents for issuing a mortgage lending contract. The contract must contain the conditions for the use of maternal capital. Next, we appeal to the FIU with a statement for transferring money to the appropriate credit Organizationpresenting for this full list documents.
After the FIU translates money to the bank, the deal can be considered. It remains only to regularly pay loan contributions. After the full payment of liabilities, you can proceed to registration of housing in Rosreestre in the share ownership of each family member.
Important moments
When contacting the Pension Fund with a statement to transfer maternal capital to a credit institution, it is necessary to take into account the specifics of the service. The fact is that the amounts of accruals are formed with periodicity once every six months. For example, if you plan to issue a mortgage loan in winter, refer to the PFR statement in advance in summer.
To ensure additional guarantees for the bank, the design of the mortgage loan with the involvement of the capital matters is accompanied by mandatory insurance. It should also be remembered that the acquired property object will be under the encumbrance of the Bank until the fulfillment of obligations. Accordingly, the subsequent transactions about buying and selling or donation are excluded.
