Mortgage loan for maternity capital. Banks working with maternity capital. Pay off your mortgage mat. capital

Hello. In this article we will tell you about what a maternity mortgage is.

Today you will learn:

1. What can you spend on;
2. How to get a mortgage correctly;
3. Which bank is better to use the services.

What can the maternity capital be used for?

State support for families with a second child was launched in 2006. The essence of this program is that families are guaranteed to receive good financial assistance.

However, the funds received cannot be spent at your own discretion. The state clearly stipulates where the money can be directed.

State support for the birth of a second child can be spent on:

• Health care;
• Child's education.

As practice shows, families use material assistance from the state precisely in order to buy real estate. At the same time, it is not necessary to purchase an apartment entirely for your own savings, since you can take out a mortgage against maternity capital.

The banking product today it is very popular. Thanks to the loan, you can improve your living conditions and buy real estate without start-up capital.

As for education and health care, these are less problematic areas. Moreover, if you can buy an apartment with the participation of a state certificate almost immediately, then you can pay for education only after the child graduates from school.

It is also worth noting that many financial companies ready to offer a mortgage under maternity capital on attractive terms, at a reduced interest rate. This is the only difference from a conventional mortgage.

Unfortunately, young families, before receiving money, will also need to collect full package documents, prove your solvency and be verified by the lender.

How can you use maternity capital in a mortgage

If you carefully study the law, you can see that the funds under the certificate can be spent three years after the birth of the child. However, there are exceptions to every rule.

This exception applies to the purchase of an apartment. It turns out that a young family can buy an apartment on credit, with the participation of a certificate.

There are two options for using a certificate:

• To repay an existing loan;
• To make an initial payment when registering a mortgage product.

As for the repayment of the existing loan, in this case, the debt is paid exclusively under the mortgage agreement. A microfinance company will not be able to repay debt on consumer loans or loans.

The limitation is due to the fact that in the sphere financial services there can be many cases of fraud related to cashing the certificate.

Unfortunately, many young families are looking for different ways cashing a certificate and agree to various frauds, pursuing only one goal - to get money in their hands and use them at their discretion, and not for what the state allowed.

But, it's better not to play with the law and use legal ways... It is best to consider the option of purchasing an apartment in

You can arrange an apartment with a large area, or located in an improved area with developed infrastructure.

Many families buy a home with a mortgage, which is a great solution. However, it should be understood that it is easy to contact financial institution and you will not be able to give a certificate for making an initial payment.

Though government aid was provided to you, you will not be able to use it without the permission of the pension fund.

Therefore, you will need to write an application to this organization and obtain written consent to conduct the transaction. As soon as the application is in hand, you can decide where to get mortgage with the participation of a state certificate.

Step-by-step instructions for obtaining a mortgage under maternity capital

Before proceeding with the transaction, it should be borne in mind that this is a complex and lengthy process that can last from 1 to 3 months. If the timing does not scare you, we will tell you how to get a mortgage and get a new apartment using state support families.

Step 1. Choosing a financial company.

The first thing that needs to be done is to carefully study the offers on the financial services market and choose a financial company that offers conditions that are right for you. Many institutions, such as Sovcombank, have good rating and reviews, but do not have this product.

If, when choosing a consumer loan, you can immediately apply to several banks and wait for a decision, then in this case it will not work.

When choosing a lender, consider not only general rate, but also:

• Company rating;
• Availability of a license;
• Customer reviews.

Since the mortgage is a long term loan, you must have complete confidence in the lender. In practice, many banks are leaving the financial services market and transferring borrowers' debts to other financial companies.

Of course, nothing bad will happen, but the terms of repayment may not change for the better for you. To prevent this from happening, you must not rush to choose a lender and carefully study all the necessary information.

Step 2. Selecting a program.

In practice, there are several lending programs:

• Purchase of an apartment;
• or receiving funds for the construction of a private house;
• Land acquisition.

Each program has its own conditions and requirements, which should be carefully studied. It is also worth noting that not all financial companies are ready to lend money for building a house or buying land. Therefore, you will have to spend time and find a lender who will agree to help you.

Step 3. Preparation of a package of documents.

You can apply only if all Required documents in your arms. It should be noted right away that this is not consumer credit, which can be obtained with one passport. In this case, you will literally need to provide the creditor with his entire "ins and outs" life.

Be prepared to provide:

• Identity document;
• Child's birth certificate;
• Certificate for receiving government support;
• A statement from the pension fund confirming the use of funds for the acquisition of real estate;
• Certificate of income: accepted both in the form of the bank and the approved form 2-NDFL;
• Purchase and sale agreement for the acquired property;
• Documents on the acquired real estate: an extract from the house register, a certificate from the BTI and technical certificate premises;
• Application for registration of shared ownership.

In practice, one of the spouses acts as a surety. In this case, the guarantor will also need to provide a passport and documents from work.

Be prepared for what the lender will ask for additional documents and constantly call you and clarify the information you need.

As already mentioned, it is extremely difficult to take a mortgage today, since the loan amount is quite large and lenders take the risk of issuing money for a long time.

It is worth noting that borrowers can submit the necessary documents, wait for verification and only after that choose an apartment. Documents are submitted immediately if the apartment is purchased in a new house or from friends.

The second option is relevant for those who:

• Doubts whether the lender will approve the mortgage loan or not;
• I looked at several options and is waiting for the results of the check to make a decision;
• Has submitted documents, but has not decided what kind of property he wants to buy, so he is asking for the maximum amount of funds to borrow.

Step 4. Signing the contract.

This is perhaps the most enjoyable part of the entire mortgage loan procedure. Just do not rush and quickly agree with all the terms of the contract.

Before signing it is worth paying Special attention the following points:

• Interest rate;
• Contract time;
• Debt amount;
• The amount of the initial payment;
• Monthly payment schedule.

Do not forget about the insurance services that you need to arrange in mandatory... Getting a mortgage loan without a life insurance contract and structural elements of the purchased apartment will not work. Therefore, be prepared for additional expenses when applying for a loan.

As soon as all the necessary documents are signed, the bank will transfer the money towards paying for the apartment, and the borrower can obtain a certificate of ownership and move to a new home.

Which banks can I take a mortgage against maternity capital

To make it easier for you to make a choice, consider offers from large financial companies.

Sberbank

Savings Bank is the leader in the lending market. You can get funds for a loan both for a new apartment and for construction own home... Perhaps this is the only lender who is ready to support a young family and provide a loan for the purchase of any property or land plot on which a house will be built.

It is also worth considering that this is the most demanding bank, which is very responsible in choosing its client. To issue a loan with a bad history of the borrower will not work. Sberbank cooperates exclusively with decent and solvent clients.

Before submitting an application in the office, you can generate a calculation and find out the amount of the monthly payment on the official website of the company.

The lender offers the product on the following terms:

• The first installment is at least 20% of the purchase price of the property;
• Interest rate from 10.5 to 11.5%;
• Loan term from 1 to 30 years.

VTB Bank

Use the services mortgage lending also offers a major universal bank VTB.

You can get the product on condition:

• If the initial payment is at least 20% of the amount of the property. At the same time, if in other banks it is possible to make an initial contribution only at the expense of the certificate, then VTB sets its own conditions. The borrower must contribute at least 5% from his own funds.
• Interest rate from 10%.
• You can borrow money for a period of 6 to 30 years. Provided if necessary early repayment without the application of penalties.

Corporate clients can receive the product according to a simplified procedure with the provision of a minimum package of documents.

Rosselkhozbank

Russian Agricultural Bank is the largest financial institution in Russia. If earlier the bank provided lending services exclusively for the agro-industrial complex, today anyone can get a loan.

Especially for young families, the lender offers to take the product on attractive terms:

• The maximum loan amount is 20 million rubles;
• The term of the loan agreement is up to 30 years;
• The minimum contribution depends on the chosen program and ranges from 15 to 30%;
• The interest rate is from 10.25 to 15.50%.

Rosselkhozbank is ready to consider the application within five working days from the date of submission of the last document.

The approved application is valid within 90 days. It is this period that is given to the client in order to prepare the documents and provide them to the lender to complete the transaction for the acquired property.

The financial company actively provides mortgage loans with certificate participation since 2009. It should be noted that the procedure for obtaining funds is quite simple and convenient for the borrower.

The lender is ready to lend funds up to 30 million rubles for a period of up to 30 years. Upon receipt of the contract, you will need to make a minimum initial payment of 15% of the value of the purchased property.

Become an owner new apartment, thanks to this bank, it is possible 10-15 days after the submission of all documents.

DeltaCredit Bank

It should be noted that this is the very first specialized bank in Russia, which was created exclusively for mortgage lending. We can say with confidence that the employees of this company are real professionals who will help to become the owner of the new property as quickly and efficiently as possible.

Conditions for the provision of a mortgage product:

• Interest rate from 10% per year;
• It is possible to draw up a contract only in national currency(rubles);
• The size of the initial payment is from 15 to 40% (depending on the purchased object);
• Funds are issued for up to 25 years.

This is the only creditor who is ready to make a decision within 3 days from the date of submission of all documents.

Is it possible to use maternity capital in a mortgage up to 3 years

What can you spend the money received from the state in the form of a special certificate if the child is not 3 years old? This question is quite relevant today.

It should be noted that according to the law, use in cash is possible only if the child is 3 years old. But each rule has exceptions, which in this case relate to the mortgage agreement.

Greetings, dear readers!

With the advent of children, most families have an urgent need to purchase or expand their own housing. If the family has no money at all for an apartment, then for them the most the best option buying real estate is a mortgage with parent capital. We will talk about how to invest maternity capital in a mortgage in this article.

To increase the birth rate, our state has been providing financial support to families with children since January 1, 2007. This support is carried out in accordance with the maternity (family) capital program or MSC.

Amount of payment and who is eligible to receive it?

In 2007, maternity capital was approved in the amount of 250 thousand rubles. Then the amount increased annually in line with the inflation rate. However, since 2015, the size of the MSC has not changed and is measured at around 453,026 rubles.

The maternity capital program approved in 2007 was designed for 10 years up to 2016 inclusive. However, the program has already been extended twice. It is now valid until December 31, 2021.

Conditions for obtaining a certificate for MSC:

• both parents or one person must be Russian citizens;
• a child whose birth gives the family the right to a MSC must be a citizen of Russia and be born later than January 01, 2007;
• the family already has at least one child;
• the family uses the right to MSC for the first time.

Mostly women receive the certificate. However, the law defines cases when maternity capital can be issued to a man or even children.

What can you spend on?

The law strictly limits the direction of spending the funds of the capital.

Attempts to cash out the certificate or use it for purposes that are not specified in the law entail the requirement of the Pension Fund of the Russian Federation to return the amounts spent and even criminal liability.

The law allows:

1. Solve the housing issue.
2. Pay for education for your children, including preschool.
3. Direct funds for the formation of pensions.
4. Purchase goods and services necessary for children with disabilities.
5. Every month, starting from 01.01.2018, receive a payment related to the appearance of a second child in the family.

Most often, the money is directed to the purchase of housing on a mortgage. To do this, you can:

• make an initial payment on a mortgage loan;
• pay off the main debt and interest on an already arranged mortgage loan.

At the same time, you are allowed to use the certificate as soon as you receive it.

Important! The law requires mandatory registration in the common share ownership of housing, for the purchase of which the funds of the MSC were spent. Shares must be allocated to each family member

Parents determine the amount of the share for each child and make up a commitment that must be certified by a notary. After buying an apartment or full repayment mortgage this obligation must be fulfilled.

How exactly the shares will be allocated (by an agreement on the determination of shares or by a donation agreement), the parents determine when drawing up the obligation. Having signed all the necessary documents on endowing children with ownership of shares, they are transferred to Rosreestr for registration.

Consider how to deposit MSC funds to pay off the current mortgage loan and how to pay the first installment.

We extinguish already taken mortgage

If the apartment was bought with a mortgage before the certificate was received, then the law still allows you to send the capital for repayment credit obligation... Collect the documents according to the following checklist.

Then submit copies of them along with the originals to the Pension Fund office. The transfer of money to the bank will be carried out within a period not exceeding one month and 10 working days, starting from the moment when the application was submitted, unless, of course, the FIU has grounds for refusal.

We pay the initial installment with the mother capital

An indispensable condition for obtaining a mortgage is an initial payment, the amount of which must be at least 15% of the price planned for the purchase of an apartment. If the family does not have a sufficient amount, then some credit organizations accept MSCs to pay the first installment.

In this case, the bank either increases the loan amount by the size of the mother capital, or issues another loan equal to the corresponding amount. This money is transferred to the seller of the apartment as a down payment.

Then, after registering the mortgage and ownership of the housing, the borrower applies to the FIU with an application for transferring the funds of the MSC to the bank. After transferring money, the bank will recalculate monthly payment and draw up an updated payment schedule.

What banks issue mortgages with maternity capital participation?

Not every credit organisation willingly accepts MSC funds to pay the down payment for a number of reasons:

• the presence of a certificate does not guarantee the borrower's solvency;
• the bank pledges housing, including minor owners... If the borrower is unable to repay the loan, then difficulties will arise with the sale of such an apartment.

Nevertheless, the number of credit institutions accepting funds from MSCs is increasing annually. For such borrowers, special loan products are being developed. Credit conditions are different, but the most favorable ones are offered. large banks with state participation, in particular Sberbank or VTB.

Terms of provision mortgage loans when buying an apartment using maternity capital.

Procedure for obtaining a mortgage

Having chosen a suitable bank, you can proceed to the first step for obtaining a loan for the purchase of a home, namely the approval of a mortgage.

Step 1. Get bank approval.

The main condition for the approval of a mortgage is the availability and confirmation of a stable income. If the woman in whose name the certificate is issued is in maternity leave and does not have official earnings, then the spouse can act as the main borrower for the mortgage, and the woman will automatically become the co-borrower for the loan.

It is also worth considering that the bank issues a loan in an amount not exceeding 85% of the cost of housing. This means that using only MSC funds to pay an initial payment of 453 thousand rubles, the purchased apartment should not be more expensive than 3 million rubles, because a loan can be issued for no more than 2 million 567 thousand rubles ...

If the monthly payment did not scare you, then you can safely send an application for a mortgage to the bank. This can be done directly at the office of the credit institution or by submitting an application online.

List of documents in different banks may differ. A detailed list can be found on the website of a particular bank. Below is a standard package of documents for applying for a mortgage from Sberbank.

You will also need to provide:

• certificate for MSC;
• all birth certificates for children under 18;
• marriage certificate.

Within a week, the bank will decide on a mortgage. In practice, the decision is issued on the second day. The approved application contains maximum amount loan, maximum term and interest rate on the loan. The representative of the credit institution will definitely call and invite you for an interview to clarify all the conditions of the application and, possibly, ask for additional documents.

The application is valid for a certain period of time, which the bank determines on its own. As a rule, the application is valid for no more than 90 days. During this period, it is necessary to find an apartment and collect documents.

Step 2. Select real estate and get approval.

The selected apartment should not only please the buyer, but also be approved by the bank, which allocates funds for its purchase. To do this, you need to send following documents in the apartment:

• expert opinion on the cost of the apartment;
• certificate of registration of property rights;
• an extract from Rosreestr on transactions with an apartment;
• if the apartment is being sold by a married couple, then the consent of the second spouse, certified by a notary, will be required to sell the apartment.

The bank will check the submitted documents and issue an opinion within 3 - 5 days. Once approved, you can go to the bank to close the deal.

Step 3. Conclude a deal and register with Rosreestr.

At this stage, the order of actions will be as follows:

• Signing a mortgage lending agreement. You can preliminarily familiarize yourself with the contract template and check with the mortgage manager in advance all the incomprehensible points. When signing a loan agreement, it is necessary to carefully check all the key information and pay special attention to the repayment schedule, which specifies the amount of the monthly payment.
• Conclusion of a contract for the sale and purchase of an apartment. It is advisable to immediately prescribe in the contract the size of the shares of children and parents.
• Registration of the transaction in Rosreestr... To register a transaction, the necessary documents are transferred to Rosreestr. In this case, not only the change of ownership is registered, but also the pledge in favor of the bank, that is, the mortgage. The registration result will be reflected in the extract from the USRN.

Step 4. Contact the FIU.

In order for the funds of the MSC to be transferred to the bank, it is necessary to contact the FIU to manage the funds of the mother capital. List of documents for submission:

• statement of the owner of the certificate on the disposal of MSC funds;
• MSC certificate;
• passport and SNILS of the owner of the MSC certificate;
• Marriage certificate;
• mortgage lending agreement.

In the established PFR term makes a decision and transfers money to the bank.

Step 5. Receive an updated payment schedule from the bank.

Since the transfer of funds to MSCs will take about 1 - 2 months, then during this period you will have to pay the entire cost of the loan. As soon as the money arrives, the bank will recalculate the monthly payment and prepare an updated payment schedule.

Terms of registration of the transaction

So let's count approximate term buying an apartment on a mortgage using MSC funds.

1. Obtaining approval of the loan application - 2 days.
2. Searching for real estate and collecting documents - from 1 to 2 months.
3. Bank approval of the selected real estate - no longer than 5 days.
4. Registration of the transaction - 2 days.
5. Registration of a transaction in Rosreestr - from 3 to 9 days.
6. Application to the Pension Fund and the transfer of funds from the MSC to the bank - no longer than a month and 10 working days.

In total, it will take about 3-4 months, of which most of the time will have to be spent on finding an apartment and collecting documents.

Conclusion

Taking out a mortgage under the capital capital is a great opportunity for families to purchase their own cozy home. In your apartment, you will be comfortable raising and raising children. At the same time, you can buy an apartment in just 3 months from the date of receipt of the certificate, even without money for the down payment. Own apartment- this is reality, even if you have no savings at all!

Most people are afraid to take out a mortgage due to high interest rates and worry that one day they will not be able to pay off the loan. To do this, it is recommended to regularly monitor mortgage interest rates in different banks in order to take advantage of the opportunity to refinance an already issued loan in time.

This will help to reduce the monthly payment and generally reduce the overpayment of the loan. Moreover, recently there has been a steady tendency to reduce rates on mortgage loans. The program of preferential mortgage lending is already in operation, but this is a completely different story ...

Write in the comments how quickly you managed to buy an apartment on a mortgage with a mother capital, in which bank and at what percentage did you get a loan?

See you soon!

Each year the list of such banks is increasing, as this is an excellent opportunity to reduce risks during the issuance of a loan.

However, according to the Federal Law "On Mortgages" and the requirements of the Central Bank of the Russian Federation, the lender must meet the requirements of the Central Bank of the Russian Federation so that he can provide a mortgage using maternity capital.

Today programs are developed in such a way that budget resources can be used to make a down payment or to carry out early repayment on the basis of a loan agreement.

The most popular banks that offer such programs are:

1. Sberbank.
2. VTB 24.
3. Rosselkhozbank.
4. Alfa Bank.
5. Primsotsbank.
6. Raiffeisenbank.
7. Gazprombank.
8. Absolut Bank.
9. Bank opening.
10. UniCredit Bank.

Lending conditions are about the same everywhere.

In this case, you can apply for a program for the purchase of housing in the secondary or primary market. It can be an apartment or an individual house.

Almost all of these banks also support a number of others. government programs... For example, you can receive money by preferential rate under the "Young Family" program. Then the rate will be equivalent to the refinancing rate.

Conditions and options

There is an opportunity to issue a mortgage under maternity capital or use it to further repay the principal amount of the debt.

Banks that give mortgages against maternity capital usually set approximately the same conditions.

Let's consider all the options using the examples of a state and a commercial bank: mortgages for maternity capital Rosselkhozbank and Primsotsbank, respectively.

Mortgage with maternity capital as a down payment for home purchase:

VTB 24

Separately, it should be said about this bank, since it is integrated into government structures and can offer one of the most favorable conditions lending.

In this bank, you can get a mortgage if you meet the following conditions:

• Russian citizenship;
• permanent registration in the entity where you are going to be credited;
• the borrower's age is from 21 to 65 years;
• total work experience for the last 5 years at least 1 year and 6 months at the last place of work;
• have official income.

You can get a loan on such conditions:

1. The size of the mortgage varies from 400 thousand to 10 million rubles.
2. The term of the agreement is up to 30 years.
3. Interest rate from 11.4% per annum.

Those who took out a mortgage against maternity capital in Primsotsbank know that they will need to take out insurance for the entire loan period. The borrower and the property are insured. You will also need to pledge the purchased or other real estate.

The package of documents is standard and does not differ from the banks described above, but there is also a program that allows you to issue a mortgage using a passport and a second identity document.

However, in essence, you provide everything the same except for the income statement, but the cost of the loan increases by a couple of percent. Such a program is relevant for those with a high informal income.

Sberbank

Sberbank requires the same documents, pole SNILS of the title borrower, co-borrower and all guarantors.

A big advantage of working with this bank is the ability to choose a repayment method: annuity or differentiated.

Minimum interest rate here it is 11.5% per annum under the "Young Family" program.

When receiving a loan on standard terms, the cost of collateral will be 12.5% ​​per annum.

Terms of provision:

• Russian citizenship;
• the borrower must have a residence permit in the area where he is going to receive a loan;
• age limit from 21 to 65 years old;
• 6 months experience in the last job and one year of continuous work during the last 5 years;
• availability of official income.

The best banks that give mortgages under the mat. capital

Based on the table above, it can be seen that lending conditions are more favorable in state-owned banks.

Today these are the following banks that provide mortgages for maternity capital: Sberbank, VTB 24 and Rosselkhozbank.

They also include Gazprombank, as it is a subsidiary of Gazprom, which is fully supported by the state. However, it is much easier to get a loan in commercial banks .

The difference in the interest rate is small, no more than 2% per annum, however, commercial banks can offer you more flexible terms for repayment.

So, you can pay through a bank branch, third-party organizations, their own ATMs or partner ATMs.

The processing speed of the application is approximately the same everywhere and does not exceed 10 working days.

In exceptional cases, documents may be required that are not provided for in the standard package described above.

In case of problems with payment in commercial banks, it is much easier to negotiate and carry out refinancing or restructuring.

However, you should not take loans from small commercial banks. Otherwise, you run the risk that the Central Bank will revoke their license due to lack of liquidity or as a result of other violations of Russian legislation.

It is much more profitable and calmer to issue a mortgage in one of the TOP-100 banks... These lenders count on long-term cooperation and are ready to offer the most convenient terms of loan servicing.

Thus, a mortgage using maternity capital is an excellent opportunity to buy a home. To use public money, you will need to go through the standard procedure for filing an application with the FIU. When the money is transferred, you can proceed to the next stage and apply for a loan.

Mortgage lending for families with two children or more is one of the main opportunities to invest funds secured by a certificate for maternity capital. By using money from mother capital for home loans or loans, a family that needs improvement housing conditions, can expect in 2016 a payment from the state in the amount of up to 453 thousand rubles without waiting 3 years.

In general, according to Russian legislation mortgage means mortgage of real estate(apartment, house, room or share in the property), which is received by the financial institution (mortgagee) until the full settlement of the issued loan funds.

That is, the borrower:

• beret Housing loan or target loan for a mortgage;
• the bank receives housing being purchased or under construction as a pledge until the full repayment of the debt and interest on the loan;
• for the possibility of full disposal of real estate, the final ownership right is drawn up after the deposit is removed from the living space (that is, after full payment borrowed funds, interest, commissions and penalties for delays).

At the legal level, mortgages are regulated Federal law No. 102-ФЗ dated July 16, 1998 " About mortgage (mortgage of real estate)". Not only housing can be provided as a pledge, but also land plot, company or other property.

A mortgage loan secured by maternity capital most often involves an apartment in the form of collateral. Financial organizations are not as willing to lend money for the construction or purchase of a house as square meters in apartment buildings.

How to use a mortgage capital

According to the Decree of the Government of the Russian Federation No. 862 dated December 12, 2007 “ On the Rules for channeling funds (part of funds) of maternity (family) capital to improve housing conditions", One of the possibilities - purchase or construction of housing... If these procedures are performed with the conclusion of a loan agreement, then the money from the mother capital in cashless form can be transferred to the credit institution that provided the loan. However, this requires compliance with a number of specific conditions.

After a number of changes introduced at the legislative level earlier, in 2016 the funds under the certificate can be used for the following purposes:

• payment of the first installment under a housing loan agreement, including a mortgage, or under an agreement target loan;
• depositing funds to the account of the principal debt on the loan and payment of interest.

It is allowed to pay by means of materiel only targeted loans- that is, taken for the purchase or construction of housing. A loan agreement can be concluded both before the family has the right to maternity capital, and after. In this case, not only the holder of the certificate has the right to be a participant in the transaction, but also his (her) spouse.

It is strictly prohibited direct funds from the mother capital to pay off fines, penalties or various commissions under loan agreements. The purpose of using the funds must be indicated to the Pension Fund (PFR) and confirmed by the relevant documents listed below.

It should also be noted that home loans using maternity capital funds are often implemented through special banking programs, according to which government subsidy can be invested in the payment of the principal, interest or the first loan installment.

Pay off your mortgage mat. capital

If the mortgage has already been taken, and a second (third) child is born in the family, the family has the opportunity to contribute part of the funds from the money provided for in the certificate for the mother capital as an early payment.

In practice, it is much easier to send money from maternity capital to an already taken home loan than to apply for a new one.

Maternity capital to be repaid mortgage taken earlier, can be used after submitting the relevant application to the FIU. Money is transferred from the PFR account to the account financial institution, from which the acquired housing is secured.

Process repayment of the mortgage by the parent capital occurs in the following sequence:

1. If ready-made housing is purchased (and not in a building under construction), the borrower immediately formalizes the apartment in the ownership of Rosreestr. In this case, a note is put on the certificate of ownership that the apartment is pledged by the bank (under a mortgage).
2. A credit institution (bank) takes a certificate of the current loan debt.
3. The required package of documents is collected and submitted together with the FIU for consideration.
4. The application is reviewed by the Pension Fund within a month. If it is approved, then the same period will be spent on transferring funds from the FIU to the bank.
5. After the money has been transferred, the bank recalculates and draws up a new payment schedule.
6. The borrower continues to repay the loan.
7. After the final settlement with the bank and the signing of all the papers, the encumbrance is removed from the apartment, and new owner makes it the property of all family members.

Loan repayment documents

The maternity capital for the repayment of the mortgage, issued earlier, is transferred by the FIU to the account of the credit institution after the submission of the documents listed inp. 6 andp. 13 Government Decree No. 862 of December 12, 2007

For those who want to use maternity capital for a mortgage, documents are provided according to the following list:

• certificate of ownership for the purchased object (if an already completed apartment was bought or the construction of housing for which a loan was issued was completed);
• participation agreement in shared construction (if the owner of the certificate or his spouse acquires an apartment in an apartment building under construction);
• statement of membership in a housing cooperative(if the loan was issued to make an initial or share contribution to the housing complex, housing cooperative or housing construction company);
• permission to build an individual residential house(if the bank has agreed to issue a loan for such a case, and the house has not yet been put into operation).

Maternity capital for the initial contribution

Until 2015, the opportunity to use funds for the first installment on a mortgage loan was provided to certificate holders only after three years from the moment of birth or adoption of a child.

Legally, the opportunity to direct funds to appeared after the entry into force:

• Federal Law No. 131-FZ of 23.05.2015 on amendments to Art. 7 and 10 of the basic law on maternity capital;
• Resolution of the Government of the Russian Federation No. 950 of 09.09.2015 on amendments to the "Rules for the allocation of maternity capital funds to improve housing conditions".

After making such a decision, the Government forecasted the growth of the mortgage lending market by 5-30%, but there was no particular increase. In practice, certificate holders wishing to exercise this right faced technical difficulties.

Representatives of the Pension Fund of the Russian Federation still cannot unambiguously determine where the funds should be transferred: the seller or the bank.

• In the latter case, it will no longer be the first installment, but the payment of the loan.
• It would be logical to transfer funds to the seller's account, but the FIU refuses to give money up to 3 years to anyone other than banks.

Due to imperfect legislation and many technical nuances that were not taken into account in those adopted by the Government and the State Duma regulatory documents, the question creates difficulties for borrowers, especially with preferential mortgages with state support.

This problem was repeatedly discussed at round tables by lawyers, employees of the FIU and public figures, but still remains open throughout the country.

• As of the beginning of 2016, the mechanism for channeling funds for the first installment up to 3 years still not worked out, and in many regions, citizens face numerous problems when trying to use a certificate to obtain a loan.
• Only a few banks provide the opportunity to use money from the mother capital for a down payment even after 3 years of age.

Thanks to their offers, you can take a home loan (mortgage) in general without depositing personal funds... To do this, you need to comply with two requirements at the same time:

• the cost of housing should be equal to the amount of the loan calculated by the bank and maternity capital;
• the down payment should not be more amount provided by the certificate.

Documents for obtaining a mortgage

Depending on the real estate object, for the payment of which the loan was taken, the documents are collected according to this general list, after which they are submitted to the FIU:

• application for the transfer of money indicating the purpose of the direction;
• applicant's passport with a registration mark;
• if the documents are transferred to the FIU by the authorized representative of the owner of the certificate - the passport of the representative and the power of attorney issued to him;
• if the loan agreement is planned to be concluded for the spouse of the certificate holder - his passport with registration, marriage certificate;
• copy loan agreement concluded with a bank, or target loan agreement with a consumer credit cooperative (CCP);
• a copy of the mortgage agreement that has passed state registration;
• a written undertaking, certified by a notary, to register the housing in the ownership of all family members with an indication of the size of the shares by agreement no later than 6 months after the removal of the encumbrance, commissioning of housing or transfer of funds from the FIU.

In addition, depending on the type of real estate being purchased, an additional package of documents must be attached:

1. When buying on credit already built housing additionally needed:
   • a copy of the sales contract after its state registration;
   • a copy of the title deed (if the property is not encumbered).
2. If a home loan is taken for investment in equity construction, also required:
   • a copy of the agreement on participation in shared construction with a mark of state registration;
   • a statement containing the amount contributed towards the payment of the contract price and the unpaid amount.
3. If the loan will be directed for an individual housing construction(IZHS) on the security of a house under construction, the FIU provides:
   • copy of the building permit;
   • copy of the building contract.

Maternity capital up to 3 years

A mortgage secured by maternity capital has an undeniable advantage over other types of targeted investment of funds: a family can arrange loan agreement in the bank from the moment of birth or adoption of a second or subsequent child.

This opportunity will come in very handy for those who are already paying off previously taken targeted housing loans, and will also help the family move to new housing earlier.

Home loans are the only legal opportunity to use funds shortly after the birth of their second (third) child. Cash out before 3 years or after this date, according to the law, impossible(except for the stipulated until March 31, 2016 ).

If parents are in no hurry to purchase housing, then not much difference, will they take a home loan for or after:

• until 2016 providing indexed annually by the amount of projected inflation (it was, but at least it was carried out regularly);
• that is, until recently funds under the certificate were not depreciated in a noticeable way, it is another matter if the family simply had nowhere else to live and they did not agree to wait 3 years.

However, you should pay attention to the following:

According to the law, they plan to give certificates for children born until 31.12.2018, and you can use the money after this date. However, in the current economic conditions, it is quite possible to abolish the annual indexation of mat. capital on a permanent basis, as it already was.

In this case, the money for the issued certificates. That is, with an eye on such prospects, parents may need to hurry up and find an opportunity to invest the funds provided for by the certificate as quickly as possible, without putting it on the back burner. In this case, a mortgage for many families can become the only possible solution.

Conditions of mortgage loans under the matkapital in banks

Not every bank can boast of a separate loan product for owners. But there are proposals for those who wish to dispose of state support funds in many financial institutions.

In 2016, the following banks issue mortgages under the mother capital:

• Separate products for owners of family capital are offered by Bank UniCredit, Bank of Moscow, Alfa-Bank, Promsotsbank, Nomos Bank, Sberbank and VTB-24. The last two programs are the most popular;
• DeltaCredit Bank offers mortgages from 5% per annum. The maternity capital can be used both for the first installment and for the payment of a previously issued loan.
• Raiffeisen Bank offers mortgages with maternal capital for 1-25 years for housing built and under construction.

Based on the peculiarities of interest payments and the body of the loan (principal), lengthening the term does not always significantly reduce the amount of funds deposited every month. Probably 20 and 30 year payments will not differ significantly.

Mortgage plus maternity capital in Sberbank

The subheading contains the name of the product, which is offered by the bank for those wishing to invest the capital. Sberbank has two proposals - separately for ready-made and housing under construction. On the page you can download and fill out a questionnaire for contacting the bank and directly on the pages calculate the mortgage loan repayment schedule. The terms of registration and payment features are indicated in great detail. The site contains practical advice, how to take out a mortgage under maternity capital, register housing in the property, and others.

Sberbank, using its popularity among clients, makes the most stringent requirements for borrowers to minimize risks. But, largely due to the selectivity and checks of potential customers, his offers are the most loyal.

Conditions of the mortgage program from Sberbank for holders of certificates under the state program in 2016:

• 4% per annum for real estate under construction and 12.5% ​​for finished housing;
• no commissions for loan servicing;
• the ability to use maternity capital, including for the first installment;
• the amount you can count on is 300 thousand - 15 million rubles;
• first installment - from 15-20% (this means that if you use matcapital as a first installment and without attracting personal funds, you can get a loan for a maximum of 3.020-2.265 million rubles);
• payments for up to 30 years (individual calculation);
• special conditions for young families;
• additional bonuses for those who receive a salary on a Sberbank card;
• the program requires a pledge in the form of an apartment - before a mortgage can be obtained on it, the encumbrance is temporarily imposed on other real estate (or a surety is needed).

Before applying for a loan, the bank requires confirmation of the borrower's solvency and the obligation to register the housing taken under the mortgage in common share ownership... The owner of the certificate must contact the FIU with no later than six months later after the loan has been issued.

Mortgage programs at VTB-24 with maternity capital

Another bank popular with certified borrowers is VTB. The bank's website is not as user-friendly as that of Sberbank, and contains less useful information, therefore, it is better to clarify the necessary information directly at the department.

Maternity capital in VTB-24 can only be used to pay off an already issued loan(not possible for the first installment). However, this credit organization also offers to get a mortgage with state support (that is, using maternity capital) at 11.4% (the usual offer is 13.5-14%).

For a mortgage under maternity capital in VTB-24, the conditions in 2016 are as follows:

• you can take a ready-made housing and an apartment in a building under construction on a mortgage;
• with the usual list of documents, the first installment is at least 20%;
• a plus would be a large number of accredited facilities under construction (up to 10 thousand);
• loan size - 1.5-20 million rubles;

Contacting Pension Fund for maternity capital on a mortgage occurs after the execution of an agreement with the bank. The VTB website also has mortgage calculator... True, it is useless for those who want to take advantage of special conditions in the form of state support.

Social mortgage AHML

Mortgage agency housing lending(AHML) not only buys out (refinances) loans already issued by banks, but also provides a mortgage with state support on favorable terms.

Within the product " Social mortgage"AHML provides a special option" Maternity capital ", according to which maternal capital is taken into account when applying for a loan for special conditions(they are somewhat different from those credit products which are offered by banks).

Terms of the offer from AHML:

1. Mortgage loan (loan) includes two components:
   • the first- regular and repaid in installments over the period specified in the contract (3-30 years);
   • second issued for 180 days and reimbursed at the expense of the capital or the borrower's personal funds.
2. Co-borrower for this program spouse must act owner.
3. The basis of the proposal is the program "Social mortgage" with favorable conditions for the borrower:
   • the first installment is from 10% on the size of the loan;
   • depending on its amount interest rate changes(the minimum at the beginning of 2016 was only 9.9%).
4. Real estate can be purchased under a mortgage in the primary or secondary market.
5. Credit amount - from 300 thousand rubles.

The interest for using credit money is floating, and it is more profitable than similar bank offers.

When using maternity capital funds, the interest rate can be:

• 9% at down payment 50% and more (however, using the capital in the form of a down payment and without attracting own funds, at such a percentage it will turn out to take absolutely small loan- only about 900 thousand rubles).
• 5% with an initial payment of less than 50%;
• 9% for a loan of more than 1.5 million rubles.

Conclusion

According to the current legislation, the owner of the maternity capital certificate can take targeted housing a loan or loan for the purchase or construction of housing. According to a statement to the FIU, the funds secured by the certificate are used to pay off the borrowed money.

The indisputable advantage of such a targeted investment is that the money can be disposed of immediately after obtaining the right to maternity capital, that is. In fact, this rule is valid so far only for the payment of already taken mortgage loans. In practice, the mother capital is still used for the first installment on a loan, but usually after the child turns 3 years old.

In addition, some banks in Russia offer special programs mortgage lending with the involvement of maternal capital at a reduced interest rate.