How to get a targeted loan for maternity capital? Terms of a loan for maternity capital at Sberbank

Hello! In this article we will tell you whether it is possible to take out a loan against maternity capital.

Today you will learn:

1. Is it possible to get a loan against swearing? capital;
2. Which banks issue such loans;
3. How does this type of loan apply?

With the help of such an instrument as maternity capital, the state supports families who are raising two or more children. Such payments began to be made in 2007. Today we will discuss whether it is possible to get a loan using maternity capital.

Loan for maternity capital: how legal is it?

Let's note right away: cash issuance secured by funds. capital - illegal. But there are lending programs that allow its use to varying degrees.

In addition, let us clarify that the owner of the certificate cannot manage finances personally. The Pension Fund is responsible for conducting and monitoring all transactions. He allows the use of funds or refuses to do so.

Until Pension Fund employees approve the loan transaction, it does not comply with the law. You will not be able to dispose of the funds without notifying the fund, since the money is in the accounts and only the Pension Fund withdraws it from there.

The decision on whether funds will be transferred is not made instantly, but within 1-2 months. In this regard, many banking institutions do not really like to work with mat funds. capital.

Now let's look at the benefits of using these tools:

• Often such lending is the only way to improve living conditions;
• Availability of mat. capital allows you to speed up settlements on debt obligations;
• When you contact a banking organization, you can count on receiving lower interest rates, as well as other preferential offers.

Targeted loans for maternity capital

Not all loans can be repaid using mat. capital. Only those types of loans that are related to housing needs can be repaid with these funds.

Most often under the mat. capital are issued by the following loans:

• Targeted loans for construction and reconstruction of real estate.

Now let's talk about each such loan in more detail.

Mortgage credit lending

With family capital, you can pay the down payment or pay off the principal debt.

This is available in many banking organizations, but they all impose a number of requirements on the borrower:

• Your income must be stable and confirmed;
• It is better if the credit history is good;
• You must have a certain length of service in your last job.

In this case, the Pension Fund also imposes some requirements. The real estate you want to buy must have a certain status and be located on the territory of our country.

After the purchase, you must register it as shared ownership of all family members, including minor children.

Loan for the purchase of real estate

In this situation, everything is still agreed upon with the Pension Fund. For example, if you decide to buy a country summer house, Pension Fund specialists will definitely not approve such a deal. In addition, the wear level of the selected object should not be more than 50%.

Targeted loan for construction or reconstruction

Let us immediately note that the amount of family capital will not be able to cover all expenses. But it will still be very useful during the construction or renovation process.

In such a situation there is one important nuance: the site on which you decide to build a house must be your property, otherwise legal problems may arise.

If we talk about reconstruction, then at the expense of state funds it is only possible:

• Increase the area;
• Add rooms;
• Add a floor;
• Make an attic out of the attic space and so on.

It will not be possible to carry out major repairs using these funds.

Getting a loan without waiting for your child's third birthday

Use mat. capital until your baby turns 3 years old, perhaps, but only if you want to take out a mortgage loan, a loan for a house or apartment.

Of course, a mortgage has an undeniable advantage in this regard.

Repayment of consumer loans with family capital

Proposals to expand the list of permitted areas for the use of mat. capital are regularly submitted to the State Duma, but none of them have been adopted; all of them currently have the status of projects.

As for the regions, in some of them it is possible to use mat. capital is somewhat wider. But this is where the region’s money is spent, not from the federal budget.

For example, in some regions you can use swear words. capital to repay the loan that was taken out for the purchase of large goods: furniture, expensive household appliances.

Also in the Smolensk region it is allowed to use part of the family capital to repay car loans, but this is within the competence of the regional authorities.

Is it possible to get a cash loan using MK funds?

There can be only one answer to this question - no!

Cash and family capital are incompatible and mutually exclusive concepts. When talking about intended use financial resources, only non-cash payment is accepted.

For those who are trying to cash out checkmate using various fraudulent schemes. capital, faces criminal penalties. The minimum is a large fine along with the return of all cashed out money, the maximum is more than 5 years in prison.

Just 2-3 years ago it was possible to get a loan from microfinance companies. capital. Since 2015, these transactions have been illegal. The President signed a decree to limit such operations.

This is a necessary measure, since the number of abuses in this area has increased on a catastrophic scale.

We take out a loan against swearing. capital: step by step guide

To apply for such a loan you must follow certain rules. All papers must be completed without errors, and the lending process itself is monitored by Pension Fund specialists.

Approach the procedure responsibly; additionally, understand the following points in advance:

• The property you buy will need to be registered in the name of all family members, including children;
• You cannot repay a loan taken from an MFO with family capital;
• You can apply for a loan only if you are the child’s mother, his father, or the official adoptive parent.

Issues regarding the issuance of such loans are resolved purely individually. The banking organization wants guarantees of loan repayment, and Pension Fund employees must be confident that the money is working for a good purpose - the living conditions of the children will be improved.

Step 1. We are looking for a suitable banking organization and deciding on the type of lending.

In fact, not many banking organizations are currently willing to issue loans against mat. capital. This is primarily due to the economic situation that has developed in the state.

But approximately 10-12 banks offer such financial products. We'll talk about them a little further.

Your goal is to choose a loan that will be most beneficial for you and your family.

We have already discussed the requirements that banking organizations impose; now it is worth mentioning the package of documentation that you must collect. It is not universal; each bank may require different papers.

So you need to provide:

• Original and photocopy of the certificate for the mat. capital;
• A certificate of your income for six months;
• Your passport;
• Documentation for the object you want to buy;
• A certificate confirming the income of the second spouse or close relatives if they act as co-borrowers.

Then contact the Pension Fund. Although it is better to do this before you start looking for a bank.

Obtain the consent of the Pension Fund in advance, this will save time.

Step 2. We agree on receiving a loan with the Pension Fund.

If this has not been done in advance, then we do it now. Without approval from the Pension Fund of Russia, the transaction will still not take place.

Provide fund specialists with:

• Passport;
• Documents confirming the birth of children;
• Account details for transferring funds;
• Certificate.

And the most important thing is the statement. You fill it out at the Pension Fund office, then in the prescribed form.

Step 3. Apply for a loan.

In the process of drawing up an agreement, clarify information on interest rates, clarify all unclear points, and carefully study each page of the agreement.

Reading diagonally will do you no good here; you need to read it very carefully. Especially all that is written in small print, included in notes, and so on.

Step 4. We insure the transaction.

Almost every bank requires this. For some, it is enough that there will only be insurance against loss of employment, while others require a full range of insurance.

Step 5. We fulfill the terms of the agreement.

Your responsibility is to make payments consistently and avoid delays. In this case, the banking organization will treat you much more loyally.

What is more profitable to get: a regular loan or a mortgage loan?

Everything will depend on how much you need. If it exceeds 500,000 rubles, then it is better to opt for a mortgage loan.

Also pay attention to monthly payments : their size should not be more than 30-40% of your income.

An important point is that real estate purchased with a mortgage is accompanied by an encumbrance. This means that various manipulations with it are limited until the loan is repaid.

If you look at the level of overpayment, it is more profitable to take out a regular loan. For it it is about 50%, for a mortgage it can be as much as 250%.

Do banks give loans against maternity capital?

Not all banking organizations are ready to work with maternity capital funds. We propose to consider those that have high rating reliability and continue to issue loans under MK.

First of all, here is a list of them:

• Rosselkhozbank;
• Sberbank;
• VTB 24;
• Alfa Bank;
• Sovcombank;
• DeltaCredit;
• Opening;
• Unicredit.

Let's present the loan terms in table form.

Name of banking organization	Financial product	Rate in %
Rosselkhozbank	Mortgage loan against funds. capital	From 10.25%
Sberbank	Mortgage + mat. capital	From 13.5%
VTB 24	Mortgage + mat. capital	From 12.0%
Alfa Bank	Housing Improvement Program	From 13.0%
Sovcombank	Mortgage + mat. capital	From 13.9%
Deltacredit	Special program “Maternity capital”	From 12.0%
Opening	Apartment + mat. capital	From 13.0%
Unicredit	Mortgage + mat. capital	From 12.5%

How to get a loan against mat. capital without income certificate

This option is available if you want. Agree, there are various reasons why it is not possible to provide an income certificate.

Among them are:

• You have a permanent, but not official income;
• You are a freelancer (in this case, you simply have no one to get a certificate from);
• You do not want to confirm your income through the Federal Tax Service.

A banking organization may well issue a mortgage taking into account the funds. capital if the borrower is a single mother who pays the down payment with family capital.

By the way, this is quite a profitable option. In particular, this can be done by contacting Sberbank.

As supporting documents, you will only need to present a certificate for the mat. capital and a certificate from the Pension Fund, which will confirm the availability of funds in your account.

The only thing is that the loan rate in this case will be slightly higher than the base one.

Conclusion

At the end of today's conversation, we note that loans against matt funds. capital is an accessible financial instrument for certificate holders who want to use money to improve their family’s living conditions.

I would also like to give a little advice: apply for a loan only after you have fully studied all the nuances, interest rates, and most importantly, the terms of the agreement. Of course, ideally, it is better to consult on this topic with professionals who can explain all the points that you do not understand.

For 10 years now, the housing problem in Russian families has been solved using maternity capital funds for the purchase, construction and reconstruction of housing. But the only envisaged use case for the certificate is until the child turns 3 years old, which gave the right to maternal capital, is to improve housing conditions with the use of credit (borrowed) funds.

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

• (if we are talking about a classic mortgage).

A prerequisite for receiving borrowed funds with subsequent repayment from maternity capital is the target “housing” focus of the issued credit or loan. At the same time, fulfillment of obligations secured by mortgage(that is, as collateral for the purchased real estate).

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 organizations. The funds received must be directed (i.e. we are talking about a housing loan). Maternity capital will be transferred to repay the debt and interest for its use within 1-2 months in the required amount.

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

What is a targeted loan for maternity capital?

In general, a loan and a loan against maternal capital are not much different from each other, since both involve issuance of funds on a reimbursable basis, and in both cases these means have a specific target orientation. However loan agreement(Article 819 of the Civil Code of the Russian Federation), also widely used in, is somewhat different from loan agreement(Art. 807). In fact, the first is a special case of the second, taking into account a number of additional requirements provided for by the legislation on credit organizations.

To their main differences the following can be attributed:

• 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 law;
• start of action loan agreement begins from the day it is signed, and the loan agreement - from the moment the money is transferred;
• The loan agreement may 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 significantly more short time 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 second party has the right to demand early repayment the remaining loan amount together with interest (clause 2 of Article 811 of the Civil Code of the Russian Federation), and in case of delay under the loan agreement, penalties and fines will be charged, but the repayment period will remain unchanged.

Risks for seller and buyer when buying a home through a lender?

When receiving a loan against capital capital, the housing is registered as the property of the buyer with an encumbrance by force of law. The subject of the pledge is the purchased housing itself. The buyer will be able to remove the encumbrance and fully dispose of such residential premises only after full return of the money to the lender upon application for disposal of maternity capital funds.

Regarding “other organizations” that have the right to carry out such transactions, in Lately there are a lot of discussions going on. In the State Duma the issue is being considered on the prohibition of the right of such organizations to issue cash secured by maternal 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 of 07/09/2015 as a lender microfinance organizations could act(MFO). However, to reduce the risk of illegal actions in relation to MSC funds, they were excluded from this list.

Is it possible to take out a loan against maternity capital from a bank (Sberbank)?

The Bank, being a credit organization operating on the basis of Law No. 395-1-FZ of December 2, 1990 “About banks and banking activities”, has every right to issue not only long-term loans, but also short-term loans for maternity capital, which are always issued secured by a mortgage- that is, secured by the purchased property.

However, the banks’ requirements 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 capital capital), all General requirements to the borrower relatively:

• age (from 21 to 75 years at the end of the loan term);
• solvency (in addition to maternity capital, they have enough level income and positive credit history);
• availability of permanent registration on the territory of the Russian Federation.

Currently, loans from 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. If we imagine that such a loan will not be repaid within 2 months with maternity capital, its repayment will amount to about 10 thousand rubles 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 submitting an application from the certificate owner, the amount of overpayment at current interest rates is 9-12% will be only 10-15 thousand rubles. The balance of the loan, if necessary, can be repaid in subsequent months with your own funds.

Wherein no need to be afraid that in the event of early repayment by maternal capital of a mortgage loan issued for 5 years, these funds will only be used to repay the interest pledged in the calculation (in fact, usually at the beginning of the mortgage repayment period, most of the interest for its use is repaid and almost no principal debt is repaid ).

The fact is that, according to credit legislation, interest is accrued 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 Pension Fund for repayment of the debt under the agreement. In fact, this can be done immediately after receiving the loan. In 1-2 months, while the Pension Fund is considering the application and transferring money to repay the debt, the bank will physically not be able to 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 several years).

The only problem is Sberbank does not issue mortgages without a down payment(now for various loan products it is 15% or 20% of the cost of the purchased housing, i.e. 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 application procedure may become significantly more complicated, and the possibility of obtaining such a loan will depend more on individual characteristics the borrower (including his credit history and data contained in the 2-NDFL income certificate). In addition, the interest rate on a loan under this offer may be higher than if it was issued on a general basis.

Credit consumer cooperative (CPC) under maternal capital

Unlike banks, the activities of credit consumer cooperatives are regulated by Law No. 190-FZ of July 18, 2009. "On credit cooperation". According to him, the credit cooperative is a non-profit organization, whose activities are based on the organization of mutual financial assistance of its members. To implement it, the following financial levers are used:

• attracting funds from cooperative members - shareholders;
• placement of part of the money received among 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 exists a large number of CPCs specializing only in loans for maternity capital.

After the 2015 law banned altogether work with maternity capital for microfinance organizations (MFOs), some restrictions were also applied to credit cooperatives - namely, the possibility of receiving maternity capital funds from the Pension Fund to repay loans for the purchase of housing only after 3 years from the date of their state registration. In this regard, MFOs began to cooperate en masse with old CPCs that have been operating on the market for at least 3 years, in order to be able to further attract clients with their well-known brands.

What is a PDA in simple words (working diagram)?

In simple and modern language The CPC is, in essence, a “mutual aid fund” for the implementation of the personal goals of each member of the cooperative to improve housing conditions. The cooperative brings together 2 groups of people on a mutually beneficial basis:

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

Thus, the former gain access to money by joining the CPC, and the latter receive interest for providing their money for the use of other people for a certain period established by the loan agreement.

The procedure for obtaining a loan under MSK in the selected PDA in general outline as follows:

1. Write an application to join the cooperative.
2. Pay the share fee and the entrance fee, if provided for by the organization’s Charter.
3. Provide the cooperative with the necessary documents to obtain a loan for the purchase of housing.
4. Sign a tripartite agreement between the financial institution, the buyer and the seller.

   Usually such an agreement is concluded only for a few months until the housing purchase transaction is completed and the Pension Fund transfers maternity capital funds. Also The loan size usually does not exceed 500 thousand rubles Therefore, this operation is also called a microloan.

5. Pay the seller with borrowed funds and register the real estate purchase transaction in established by law ok.
6. Write to the territorial office of the Pension Fund of the Russian Federation with maternity capital funds to repay the loan issued.
7. The pension fund transfers money according to the details specified in the loan agreement, thereby repaying the debt of the home buyer to the cooperative.
8. After full repayment of the debt, the encumbrance is removed from the purchased housing, and the owner of the certificate will be obliged to register an apartment or house within 6 months (including the spouse and all children, including adults).

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 agreement 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 ordinary banks).

This is often misunderstood by borrowers as “commission of a financial organization for cashing out maternity capital”, the legitimacy of which is for some reason doubted by many, but this is not entirely true. If the transaction is not fictitious and the funds are actually sent, then this “commission” is initially included in the loan agreement in the form of interest for the use of funds issued for the purchase. Taking into account 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 his 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 home purchase and sale agreement and will go to the seller to pay for the transaction. The remaining amount (the so-called “commission”) will be received by the CPC in the form of interest for using the loan.

Pros and cons of getting a loan from a credit cooperative

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

Obtaining a loan from the CCP 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 achievement youngest child age 3 years. To other advantages the following can be attributed:

• minimum requirements for the borrower, including:
  • no need to confirm income (loan repayment is guaranteed by the very presence of a maternity capital certificate);
  • loyalty to age and experience;
• fast processing times for applications.

But despite its apparent simplicity, it also has its pitfalls. On to the cons obtaining such a loan may include:

• higher interest rate for providing funds compared to bank loans;
• even if the loan is provided for 1-2 months, you will still need to register the purchased housing as collateral, as when receiving a full-fledged one from the bank (and this additional expenses for registration of a mortgage in Rosreestr);
• less financial reliability of the CCP compared to banks (including in terms of a more risky credit policy, which can lead to bankruptcy).

Thus, loans from a credit cooperative are a good opportunity to solve the housing problem for owners of maternal capital in the event of unstable labor activity or receiving unofficial income. And provided that the documents are prepared correctly, the risks are reduced to zero.

Is it possible to get a loan secured by maternity capital in cash?

Unfortunately, despite the explicit ban on transferring maternity capital in cash, there are still advertisements inviting MSC owners to resort to. Some citizens, in order to make money, succumb to such fraudulent actions, for example, by presenting documents about a non-existent property or putting into the contract a knowingly larger amount than the actual cost of the residential premises (often they purchase completely dilapidated, emergency housing, or existing only on paper, which in no way cannot cost 450 thousand rubles).

Don't be fooled by scammers- law enforcement agencies and the Pension Fund will definitely check the purity of the transaction, and if illegal actions are detected, penalties will be applied to the violator, including in the form of actual imprisonment. According to clause 16 of the Rules, adopted by resolution Government of the Russian Federation No. 862 dated December 12, 2007, all calculations related to the use of maternity capital funds are carried out only by non-cash method.

Scheme for improving housing conditions through a targeted loan

In order to improve living conditions by obtaining a loan against mat. capital, certificate owner the following must be done:

1. Select a property that meets all the necessary requirements in terms of technical and sanitary standards. In case of purchasing a home on secondary market the condition must be met that the purchased housing should not be considered unsafe or unsuitable for habitation.
2. Collect information about all financial institutions (banks and credit cooperatives - CCPs) providing such loans. Study the conditions for providing funds and choose the most suitable option for yourself.
3. In accordance with the requirements of the selected organization, provide the necessary package of documents for concluding a loan agreement. Find a suitable home seller and sign a tripartite purchase and sale agreement between the seller, buyer and financial institution - that:
   • the buyer acquires and the seller alienates the real estate in his ownership at an agreed price;
   • to pay for the cost of housing, the buyer sends the seller a loan against maternity capital provided by a financial institution;
   • after registration of the transaction in Rosreestr, the loan issued to the buyer is repaid by the Pension Fund at, which the buyer must submit to the Pension Fund of the Russian Federation within the time period established by the contract (the sooner, the less it will be total amount interest payable).

After the buyer’s debt to the financial institution is fully repaid, the encumbrance in the form of a mortgage is removed from the purchased home, and the family will need within 6 months register an apartment or house as shared ownership of the spouses and children (to this effect, the corresponding application is submitted in advance to the Pension Fund along with an application for disposal).

What documents will be needed for this?

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

• application form;
• a certificate from the Pension Fund about the balance of MSC funds (its validity period is 30 days);
• passports of the borrower and (if any) the co-borrower, who may be the second spouse;
• marriage certificate or divorce certificate;
• documents confirming the birth of children;
• documents for the purchased property:
  • purchase and sale agreement and Bank details to transfer money to the seller;

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

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

That is, the borrower:

• takes out a home loan or a targeted loan for a mortgage;
• The bank receives housing purchased or under construction as collateral until the debt and interest on the loan are fully repaid;
• In order to be able to fully dispose of the real estate, the final title of ownership is formalized after the mortgage is removed from the living space (that is, after full payment borrowed funds, interest, commissions and late fees).

At the legal level, mortgages are regulated Federal law No. 102-FZ dated July 16, 1998 “ About mortgage (real estate pledge)" Not only housing, but also land plot, enterprise or other property.

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

How to use matkapital for a mortgage

According to the Decree of the Government of the Russian Federation No. 862 of December 12, 2007 “ On the Rules for allocating funds (part of the funds) of maternal (family) capital to improve housing conditions", one of the possibilities is purchase or construction of housing. If these procedures are carried out with the conclusion of a loan agreement, then money from maternal capital to non-cash form can be transferred to the credit institution that provided the loan. However, this requires compliance with a number of certain conditions.

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

• payment of the first installment under a housing loan agreement, including a mortgage loan, or under a targeted loan agreement;
• depositing funds towards the loan principal and paying interest.

It is allowed to pay using maternity capital funds exclusively 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 certificate holder, but also his (her) spouse has the right to be a participant in the transaction.

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

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

Pay off the mortgage loan. capital

If a mortgage has already been taken out, and a second (third) child is born in the family, the family has the opportunity to make part of the money provided under the maternity capital certificate as an early payment.

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

Maternity capital for repayment previously taken out mortgage, can be used after submitting the appropriate application to the Pension Fund. The money is transferred from the Pension Fund account to the account of the financial organization from which the purchased housing is secured.

Process repaying the mortgage with maternal capital happens in the following sequence:

1. If you purchase finished housing (and not in a house under construction), the borrower immediately registers ownership of the apartment in Rosreestr. In this case, a mark is placed on the certificate of ownership that the apartment is pledged to the bank (under a mortgage).
2. A certificate of current debt on the loan is obtained from a credit institution (bank).
3. The required package of documents is collected and submitted along with the Pension Fund 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 Pension Fund to the bank.
5. After the money is transferred by the bank, a recalculation is carried out and a new schedule payments.
6. The borrower continues to repay the loan.
7. After the final settlement with the bank and signing of all papers, the encumbrance on the apartment is removed, and the new owner registers it as the property of all family members.

Documents for loan repayment

Maternity capital for the repayment of a mortgage issued earlier is transferred by the Pension Fund to the account of the credit institution after providing the documents listed inclause 6 Andparagraph 13 Government Decree No. 862 of December 12, 2007

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

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

Maternity capital for down payment

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

The legislative opportunity to direct funds to the following appeared after the entry into force of:

• Federal Law No. 131-FZ of May 23, 2015 on amendments to Art. 7 and 10 of the Basic Law on Maternity Capital;
• Decree of the Government of the Russian Federation No. 950 of September 09, 2015 on amendments to the “Rules for allocating maternity capital funds to improve housing conditions.”

After making this decision, the Government predicted the growth of the mortgage lending market by 5-30%, but there was no significant increase. In practice, certificate holders wishing to exercise this right have encountered technical difficulties.

Representatives of the Pension Fund of Russia still cannot unambiguously decide where the funds should be transferred: to the seller or to the bank.

• In the latter case, it will no longer be a down payment, but a loan payment.
• It would be logical to transfer funds to the seller’s account, but the Pension Fund refuses to give money to anyone other than banks for up to 3 years.

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

This problem has been repeatedly discussed at round tables by lawyers, Pension Fund employees and public figures, but it still remains open throughout the country.

• As of the beginning of 2016, the mechanism for allocating funds for a down payment for up to 3 years still not worked out, and in many regions, citizens face numerous problems when trying to use the certificate to obtain a loan.
• Only some banks provide the opportunity to use money from maternity capital for a down payment even after the child's 3rd birthday.

Thanks to their offers, you can take out a home loan (mortgage) in general without depositing personal funds. To do this, two requirements must be met simultaneously:

• the cost of housing should be equal to the amount of the loan calculated by the bank and maternity capital;
• the initial payment should not exceed the amount provided for under the certificate.

Documents for obtaining a mortgage

Depending on the property for which the loan was taken out, documents are collected according to this general list and then submitted to the Pension Fund:

• application for transfer of money indicating the purpose in the direction;
• the applicant's passport with a registration mark;
• if documents are submitted to the Pension Fund by an authorized representative of the certificate owner - the representative’s passport 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 the bank, or targeted loan agreements with credit consumer cooperative(CPC);
• a copy of the mortgage agreement that has passed state registration;
• a written obligation certified by a notary to register the housing as the property of all family members, indicating the size of shares under the agreement no later than 6 months after the removal of the encumbrance, putting the housing into operation or transfer of funds from the Pension Fund.

In addition, depending on the type of property being purchased, you must attach an additional package of documents:

1. When purchasing on credit already built housing additionally needed:
   • a copy of the purchase and sale agreement after its state registration;
   • a copy of the certificate of ownership (if the housing is not under encumbrance).
2. If a home loan is taken out for investments in shared construction, also required:
   • a copy of the agreement on participation in shared construction with a state registration mark;
   • a statement that contains the amount paid to pay the contract price and the unpaid amount.
3. If the loan is sent for individual housing construction (IHC) secured by a house under construction, the Pension Fund provides:
   • copy of the construction permit;
   • a copy of the construction contract.

Maternity capital up to 3 years

A mortgage using maternity capital has an undeniable advantage compared to other types of targeted investment: a family can draw up a loan agreement with a bank from the moment of the 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 a new home earlier.

Housing lending is the only legal opportunity to use funds soon after the birth of a second (third) child. Cash out funds before 3 years or after this date, according to the law, impossible(except as provided until March 31, 2016 ).

If parents are in no hurry to purchase housing, then there's not much difference whether they will take out a home loan on or after:

• until 2016 provision indexed annually on the amount of predicted inflation (there was, but at least it was carried out regularly);
• that is, until recently funds on the certificate did not depreciate in a noticeable way - it’s another matter if the family simply had nowhere else to live and they did not agree to wait 3 years.

However, it is worth paying attention to the following:

According to the law, certificates are planned to be given to children born until December 31, 2018, and you can use the money after this date. However, in current economic conditions It is quite possible to cancel the annual indexation of mat. capital on an ongoing basis, as has already been the case.

In this case, the money is based on 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 under 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 one possible solution .

Terms of mortgage loans against capital in banks

Not every bank can boast of a separate loan product for owners. But many financial institutions have offers for those who want to manage government support funds.

In 2016, mortgages against capital are issued by the following banks:

• UniCredit Bank, Bank of Moscow, Alfa Bank, Promsotsbank, Nomos Bank, Sberbank and VTB-24 offer separate products for owners of family capital. The latter two programs are the most popular;
• DeltaCredit Bank offers mortgages from 5% per annum. Maternity capital can be used for both the down payment and the payment of a previously issued loan.
• Raiffeisen Bank offers mortgages with capital for 1-25 years for completed and under construction housing.

Based on the characteristics of interest payments and the loan body (principal), extending the term does not always significantly reduce the amount of funds deposited each 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 that is offered by the bank for those wishing to invest maternal capital. Sberbank has two offers - separately for finished and under construction housing. On the page you can download and fill out a form to contact the bank and calculate the mortgage loan repayment schedule directly on the pages. The terms and conditions of payment are specified in great detail. The website contains practical advice, how to take out a mortgage using maternity capital, register your home as a property, and others.

Sberbank, using its popularity among clients, imposes the most stringent requirements on borrowers to minimize risks. But, largely thanks to selectivity and checks of potential clients, 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 loan servicing fees;
• the ability to use maternity capital, including for a down payment;
• the amount you can count on is 300 thousand - 15 million rubles;
• first installment - from 15-20% (this means that if you use maternity capital 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 their salary on a Sberbank card;
• the program requires collateral in the form of an apartment - before a mortgage can be issued on it, the encumbrance is temporarily placed on another property (or a guarantee is required).

Before applying for a loan, the bank requires confirmation of the borrower’s solvency and an obligation to formalize the mortgaged housing into common shared ownership. The owner of the certificate must contact the Pension Fund with no later than six months later after the loan is issued.

Mortgage programs at VTB-24 with maternity capital

Another bank popular among borrowers holding certificates is VTB. The bank’s website is not as user-friendly as Sberbank’s 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 repay an already issued loan(you can’t use a down payment). However, this credit institution also offers to obtain a mortgage with state support (that is, using maternity capital) at 11.4% (the usual offer is 13.5-14%).

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

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

Applying to the Pension Fund for maternity capital for a mortgage occurs after drawing up an agreement with the bank. The VTB website also has a 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

The Agency for Housing Mortgage Lending (AHML) not only buys back (refinances) loans already issued by banks, but also provides mortgages with state support on favorable terms.

As part of the “Social Mortgage” product, AHML provides a special option “Maternity capital”, according to which maternity capital is taken into account when applying for a loan under special conditions (they are slightly different from those credit products, which are offered by banks).

Terms of the offer from AHML:

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

• 9% with a down payment of 50% or higher (however, using maternity capital in the form of a down payment and not attracting your own funds, at this percentage you will be able to take out a very small loan - only about 900 thousand rubles).
• 5% for down payment less than 50%;
• 9% for a loan of more than 1.5 million rubles.

Conclusion

According to current legislation, the holder of a maternity capital certificate can take a target housing credit or loan for the purchase or construction of housing. According to the application to the Pension Fund, the funds secured by the certificate are used to pay off the borrowed money.

The undeniable advantage of such a targeted investment is that the money can be used immediately after receiving the right to maternity capital, that is. In fact, this rule currently only applies to paying off mortgage loans already taken out. In practice, maternity capital is still used for the first loan installment, but usually after the child turns 3 years old.

In addition, some Russian banks offer special mortgage lending programs involving maternal capital at a reduced interest rate.

Reading time: 17 minutes

Many people dream of becoming owners of their own square meters. Families with children are especially in dire need of housing. The maternity capital program, which has no analogues in world practice, gives certificate holders the opportunity, albeit partially, to solve the housing problem. It is necessary to understand that not everyone can take advantage of this opportunity, so you should understand in detail who has the right to count on preferences from the state, where to apply and whether all banks are ready to cooperate.

What is a loan for maternity capital?

The program to help families where a second or subsequent child was born or adopted was launched in 2007. To date, it has been determined that the campaign has been extended until 2021, after which the government will consider the feasibility of its extension. The certificate is issued to the mother of the child, although in some cases the father of the children may also become the owner of the document (for example, when a woman loses the right to receive maternity capital).

State aid is provided free of charge, and the certificate itself is unlimited. This means that citizens can use money from the state at any time at their own discretion. The amount of support is subject to annual indexation, but currently a moratorium on increases has been declared. For 2018, the value is set at 453,026 rubles.

It is legally determined that investment of funds allocated by the state is allowed only for certain purposes: education of children, social adaptation a disabled child, the formation of a funded pension for the mother or monthly payments until the child reaches one and a half years old. In addition, certificate holders have the right to use money to solve the housing problem. To do this, you need to obtain permission from the Pension Fund (hereinafter also referred to as the Pension Fund), and then contact a bank whose line of credit products includes this type of loans.

A loan against maternal capital is a targeted loan that can only be obtained by certificate holders if certain conditions are met:

• the family is in need of improved housing conditions;
• real estate is registered in the ownership of all family members in equal shares, regardless of their age;
• housing is located on Russian territory;
• finances are used strictly for their intended purpose and cannot be used to pay off penalties and fines arising as a result of improper fulfillment of the terms of the contract or its individual clauses;
• The purchased property is not in disrepair, fully complies with all housing standards and is intended for living.

Conditions for obtaining a certificate

Maternal family capital (MSC) is non-cash funds that are located in a special account. The owner is issued only a special document - a certificate. You have the right to receive it:

• mother (provided that she is a citizen of Russia);
• a man, if he is the sole adoptive parent of the second and subsequent children;
• the father of the child when the mother’s right to receive a certificate has been terminated (the father’s citizenship does not matter);
• minor children (or under the age of 23, subject to full-time education), if parents or guardians have lost the right to receive maternity capital.

In addition to this, you need to know that:

• Certificate state aid is a one-time means of support. This means that you can only receive it once at the birth of your second child or subsequent children, if this opportunity was not previously provided.
• Funds are paid exclusively in non-cash form - by transferring them to an account. The possibility of providing money for certain purposes is considered by the Pension Fund at the request of the certificate holder. It is impossible to cash out maternity capital, and all actions aimed at this are illegal, with the exception of the case of receiving a cash benefit from MSC funds before the child reaches one and a half years of age, provided that. At the same time, the family that is entitled to payments must be low-income (the income for each member is below the subsistence level in the region of residence).

Goals and directions of use

The legislation stipulates that maternity capital is used exclusively for its intended purpose. As for solving the housing issue, there are several areas:

• purchase of residential premises;
• reconstruction (change in technical characteristics) or construction of your own home with (or without) the involvement of a construction organization;
• compensation for costs incurred during the construction or reconstruction of your own home;
• as a down payment on a mortgage loan for the construction or purchase of real estate;
• repayment of accrued interest or payment of principal on a mortgage taken out for the construction or purchase of your own home;
• payment of a contribution for shared construction;
• payment of fees (introduction or share), if the owner of the certificate or his spouse is a participant in a housing, housing-construction cooperative.

Repair work carried out in a house or apartment is not considered reconstruction, and therefore is not subject to payment from capital. The law allows the use of money to improve living conditions only from the moment the child reaches the age of three. The only exception when funds are allowed to be spent immediately after the birth of the baby is to pay the down payment on a mortgage or repay previously taken housing loans.

Legal regulation

All contractual relations concluded between credit institutions and ordinary citizens, including in the matter of obtaining loans for maternity capital, are regulated Civil Code. In addition to this, it is worth paying attention to other legislative and regulatory acts, among which are:

• Law No. 395-1-FZ (02.12.1990), which regulates the activities of banking institutions;
• Law 256-FZ (December 29, 2006), which addresses issues of additional state support for families raising children;
• Law No. 362-FZ (December 5, 2017), covering budget issues for 2018, according to which it is determined that the amount of maternity capital this year remains unchanged and equals 453,026 rubles;
• Government Resolution No. 689 (07/09/2015), after the adoption of which transactions with maternal capital through microfinance organizations are no longer carried out;
• Town Planning Code (December 29, 2004), which defines the issues of commissioning residential real estate.

Is it possible to get a loan for maternity capital in cash?

As evidenced by the information provided on the official website of the Pension Fund, funds allocated from maternity capital to improve housing conditions are not given to the applicant. They are sent directly to an account at a credit institution with which an agreement will be concluded for the provision of a mortgage loan. Since the loan against maternal capital is targeted, all payments are made in non-cash form.

Any schemes for obtaining money in cash are considered illegal, therefore participants in such transactions bear administrative, and in some cases, criminal liability. The basis for this will be the fact of misuse of public funds. If it is recognized that the children's money allocated to the family was used for other purposes, the certificate holder will not be able to receive assistance in the future.

Types of lending

Bank loans are a popular way to solve certain financial issues. Credit institutions offer their clients a variety of borrowing programs in order to best meet the needs of each borrower. Not all banks issue money secured by maternity capital. Upon presentation of the certificate, you can count on:

• for a mortgage loan;
• for a loan to purchase an apartment or house;
• for a loan for the construction and reconstruction of housing.

Mortgage loan

According to Russian banking legislation, a mortgage is any loan issued against real estate. This means that banks have the right to offer funds not only for the construction or purchase of real estate, but also for consumer needs. As for a mortgage using maternal capital, in this case it is allowed to borrow money from the bank solely to solve the housing problem. In addition, lenders impose a number of requirements on clients. The main ones are the presence of:

• positive credit history;
• stable income, the amount of which is enough to pay off the debt;
• continuous work experience for last place work (usually the minimum threshold is 3 months).

For house construction or reconstruction

If desired, money can be used not only to purchase, but also to build your own home. In this case, before going to the bank for a loan, it is necessary to register ownership of the land plot for an individual housing construction(Individual Housing Construction). It is important to know that MSC funds cannot be used to build or purchase a country house.

It is allowed to erect a building or reconstruct existing real estate on one’s own or with the involvement of professionals - a construction team that has permission to carry out activities. Funds allocated as state aid can be spent on purchasing materials or paying for the work of specialists, but all this must be documented.

For the purchase of housing

According to official statistics borrowed credit money using maternal capital is used primarily for the purchase of finished housing on the primary or secondary market. The law allows you to buy not only real estate in apartment buildings, but also detached houses, cottages, and penthouses. Strict requirements are imposed on purchased housing, among which special attention is paid to the following items:

• the deterioration of the housing stock should not exceed 50%;
• all amenities must be available;
• communications must be installed (electricity, plumbing, heating, etc.);
• the property must be suitable for habitation;
• housing should not be recognized as unsafe;
• the property must be a full-fledged residential building.

How to get a housing loan

Since maternity capital is a government measure to support families with children, the use of funds is under constant control by Pension Fund specialists. The procedure for applying for a loan against capital takes a lot of time, so you need to carefully approach both the choice of the credit institution itself and obtaining permission from the Pension Fund. The whole process can be described in the form of a small instruction:

1. selection of a credit institution;
2. selection of the optimal borrowing program;
3. obtaining permission from the Pension Fund;
4. conclusion of a loan agreement.

Choosing a bank and mortgage program

According to the law, institutions that have official permission to do so have the right to lend to individuals. Since 2005, microfinance organizations have been excluded from this list in order to reduce the possibility of misuse of funds. Important feature The law is the fact that the number of credit institutions and borrowing programs is not limited. This means that funds from state support can be used simultaneously to repay several housing loans, if the MSC amount allows this.

Today, more than a dozen credit organizations offer to conclude a loan agreement for maternity capital, but there is no need to rush into making a choice. First, it is recommended to carefully study the terms of the loan. To do this, you can ask the employee for a sample loan agreement, which will spell out the main provisions. If necessary, you can consult with a lawyer so that you do not subsequently overpay for using credit money.

Obtaining permission from the Pension Fund of Russia

An important condition for obtaining a loan against capital is the presence of a permit issued by the Pension Fund. The procedure is mandatory, because specialists must make sure that the money will be used directly to solve the housing problem and not spent for other purposes. In addition, the owner of the certificate cannot independently manage the funds allocated as state support. Only the Pension Fund of Russia deals with their transfer.

Applying for a loan

After agreeing on all issues with the Pension Fund specialists and choosing a credit institution, the time comes to apply for a loan. The process is similar to the procedure for obtaining other loans and consists of several successive steps:

1. Apply for a loan. This can be done in person by visiting the bank or remotely - via the Internet by filling out a special form or personal account.
2. Wait for a decision. Depending on the credit institution, the process can take a long time, because the bank needs to check the applicant’s credit history and assess his solvency.
3. When issuing positive decision collect the necessary package of documents, the list of which may vary depending on the bank.
4. Go to the bank to conclude a loan agreement. Before signing the agreement, you must carefully study the agreement, which consists of a general and individual part. The latter will indicate: the loan amount, the amount of remuneration for using the money, the loan repayment period, which are determined in each case separately based on the documents and data provided by the applicant.

Which banks work with maternity capital?

Banking organizations offer to receive funds to resolve the housing issue subject to certain conditions. In the table below you can see some popular offers in the capital lending market:

Credit organisation	Loan amount, rubles	Minimum interest rate	Debt repayment period, months	Special conditions
Sberbank of Russia	300 thousand – 3 million	7,4%	360	Real estate pledge, insurance
Raiffeisenbank	Up to 26 million	9,25%	360	Apartment deposit
Binbank	Up to 20 million	9,3%	360	Availability of own funds – at least 5% of the loan amount
Gazprombank	From 500 thousand	9%	360	Pledge of property, insurance
Bank opening	Up to 30 million	9,2%	360	Availability of own funds – at least 10% of the loan amount

Sberbank of Russia

The largest bank in the country offers special program lending “Mortgage plus maternity capital”. In addition, clients who have applied for such loans using maternal capital as “Purchase of finished housing - Flat rate”, “Purchase of housing under construction” can take advantage of the opportunity to receive a loan. You can use government funding as a down payment or part of it.

Loans from Sberbank are issued to Russian citizens aged 21 to 75 (last installment) years, whose work experience in their last place is at least one year, on the following conditions:

• amount – from 300 thousand to 3 million rubles;
• rate – from 7.4%;
• term – up to 30 years;
• mandatory registration of real estate as shared ownership;
• additional discounts for clients who have a current account with Sberbank;
• the opportunity to purchase real estate from a developer accredited by the bank;
• down payment – ​​from 15%;
• provision of collateral with mandatory insurance.

To receive a loan you must provide a certain package of documents:

• applicant's passport;
• income certificate;
• certificate for mat. capital;
• certificate from the Pension Fund;
• documents regarding the collateral provided.

Raiffeisenbank

A bank with Austrian capital offers to take out a loan against maternity capital to buy a home. They can claim money individuals regardless of citizenship, aged from 21 to 65 (last installment) years, with at least three months of work experience in their last place. At the same time, their monthly income must be at least:

• 20 thousand rubles - provided that the applicant works in Moscow or the region, St. Petersburg, Leningrad region, Magadan, Surgut, Yekaterinburg, Tyumen.
• 15 thousand – for all other regions.

You can use funds to make a down payment or part of it when concluding an agreement under the following programs:

• Mortgage with maternal capital;
• Purchase of finished housing;
• Apartment on the secondary market.

The maximum amount that an applicant can claim is 26 million rubles at a rate of 9.25% per annum and for a period of up to 30 years. To conclude a contract you will need:

• application form;
• the borrower's own passport;
• income certificate;
• documents confirming employment.

Binbank

The lender offers Russian citizens aged 21 to 65 (last installment) to take out a mortgage, provided that they have at least 4 months of work experience at their last place of work. The loan is allocated for the purchase of a finished apartment or its construction. The minimum contribution when using maternity capital funds is 5%. Money is provided under the following conditions:

• Rate – from 9.3%.
• Amount – 600 thousand – 20 million for residents of Moscow, St. Petersburg, Moscow and Leningrad regions. For residents of other regions where the bank has a representative office, the maximum is 10 million rubles.
• Duration – 3–30 years;
• The maximum period for consideration of an application is 3 working days.

To conclude a contract you will need:

• application form;
• passport;
• documents confirming employment and permanent income;
• extract from the Unified State Register of Real Estate;
• title documents;
• registration certificate;
• certificate of absence of debt on payment of utility bills;
• report on the assessed value of real estate;
• seller's passport;
• extract from the house register;

Gazprombank

The lender provides the opportunity to obtain a loan for the purchase of real estate on the primary or secondary market to Russian citizens aged 20 to 65 (last installment) years. The work experience in the last position must be at least six months. Matkapital can be spent on paying the down payment or part of it, but the bank also requires the borrower to invest his own funds at the rate of at least 5% of the loan amount. In addition, the contract includes the following conditions:

• minimum amount – 500 thousand rubles;
• annual rate – from 9%;
• term – 1–30 years.

The documents you will need to prepare are:

• application form;
• own passport;
• SNILS;
• income certificate;
• certificate;
• certificate from the Pension Fund of Russia.

Bank opening

The lender offers two lending programs for certificate holders:

• New building + Maternity capital;
• Apartment + Maternity capital.

Citizens of the Russian Federation between the ages of 18 and 65 (last installment) who have a total work experience of at least one year, and at the last place of work it must be at least three months, have the right to qualify for a loan. The maximum loan amount using maternal capital is 90% of the value of the purchased property, but not more than:

• 30 million for residents of the capital, St. Petersburg, Leningrad and Moscow regions;
• 15 million – for residents of other countries settlements, where there are bank branches.

Money is issued under the following conditions:

• annual rate – from 9.2%;
• down payment – ​​from 10%;
• term – 5–30 years;
• inclusion of a spouse as a joint co-borrower.

To sign the agreement, you will need to provide the following documents (the bank reserves the right to request other papers):

• application form;
• passport;
• certified copy work book;
• income certificate;
• certificate;
• certificate from the Pension Fund of Russia.

Requirements for the borrower and mortgage housing

Banking organizations will definitely study the applicant’s dossier before issuing a loan against capital. Since every lender wants to see his client as a reliable borrower who will fulfill all the terms of the agreement and avoid delays in paying monthly installments, certain requirements are imposed on each applicant. Depending on the banking institution, they may be different, but the main ones should be highlighted:

• positive credit history;
• official place of work;
• stable monthly income;
• registration in the region where the bank branch is located;
• absence of overdue payments on other loans and executive documents.

List of required documents

To consider the application and sign the agreement, the lender will require you to provide different packages of documents. In the first case, as a rule, you will only need a citizen's passport and another identification document, for example, a driver's license or military ID. Before signing a mortgage agreement, you will have to collect additional documentation. The list of them will vary depending on the banking institution, but in most cases you will need to bring with you:

• passport;
• second document of your choice: SNILS, military ID, driver's license, etc.);
• income certificate in the form of a bank or 2-NDFL;
• a copy of the work record as proof of employment;
• application form;
• certificate for maternal capital;
• obligation to allocate shares, previously certified by a notary;
• a certificate from the pension fund confirming the availability of funds in the account;
• real estate documents (purchase and sale agreement, cadastral passport, extract from the Unified State Register, documents on the removal of encumbrance, etc.)

Features of paying the down payment with maternity capital

An important feature of a maternity capital loan is that state support funds can be used only after the child turns three years old. An exception is that money is paid as a down payment on a housing loan or to repay a previously received loan for construction or purchase of real estate. This point must be taken into account, especially if the money is planned to be spent on the reconstruction of existing real estate or when joining a housing cooperative.

Procedure for repaying an existing loan or interest

State support funds cannot be used to pay off overdue debts and the resulting penalties and (or) fines. If you decide to use the money to repay an existing housing loan, and this can be done immediately after the birth of your second or subsequent children, you must adhere to the following algorithm:

1. contact the banking organization that issued the mortgage with a written application;
2. receive a certificate about the balance of the debt;
3. collect the necessary package of documents, the exact list of which can be found at the local Pension Fund branch;
4. provide the Pension Fund specialist with the collected papers;
5. wait for the decision (refusal or approval), which the applicant must receive in writing.

If the verdict is positive, no later than one month and ten days from the date of the decision, the money will be transferred to the creditor. After this, the applicant must visit the credit institution to renew the agreement. This is due to the fact that after the money is transferred to the applicant, a recalculation will be made and a new debt repayment schedule will be issued, and upon full payment, a certificate of no debt to the lender will be issued.

Advantages and disadvantages

Programs for purchasing real estate using maternal capital have shown their effectiveness and have helped many citizens solve their housing problem. The main advantages of the company are that even those families who do not have sufficient savings to purchase or build housing can acquire their own square meters by using the money from the certificate as a down payment, and those families who have already taken out a mortgage can reduce monthly payments , using MSC funds to repay the principal debt.

If we talk about the disadvantages of lending for maternity capital, then these are:

• a limited number of commercial banks offering such loans (many have curtailed programs due to the economic crisis and increased inflation);
• consideration of the application by the Pension Fund takes long time, therefore, it is not always possible to buy the desired apartment, since not all sellers are ready to wait;
• Some lenders have additional requirements, such as purchasing real estate only from bank-accredited companies.

Video

Financial support from the state is manifested in different directions, one of which is assistance to families with two or more children or maternity capital. It is permissible to spend money from MSC on not all needs. A loan for maternity capital is considered the most popular purpose for using budget funds. Next, we will consider the features, benefits, and nuances of obtaining a loan under MSK.

Benefits and features of a loan for maternity capital

The MSK program has been successfully operating in Russia since 2007. There is no analogue initiative in world practice. Many Russian families with the help of government funding they already have their own housing. However, not all parents know that money from family capital can be used to pay off loan obligations to the bank. In the Russian Federation, similar offers exist in several credit institutions; a loan for maternity capital is also issued at Sberbank. Many lenders set lower interest rates for families with children and offer exclusive products.

The program will operate until the end of 2021. The volume of maternity capital as of 2018 remained the same and today amounts to 453,026 rubles. So, the benefits for families are obvious. When receiving a loan, you simply agree with the bank that part of the money will be paid through government subsidies. With the help of state support, you can quickly pay off your loan debts, and sometimes this is the only way to improve your living conditions.

What are maternity capital loans issued for?

As already noted, it is permissible to use funds from MSC for not everything. Regarding the loan, these can be payments:

1. Down payment for a mortgage.
2. To repay the main part of the debt obligation and as a reduction in monthly payments.

The fact is that parents do not have the right to dispose of the certificate themselves. The Pension Fund monitors all movements of money from MSC. It is this body that issues permission to applying families to use part or all of the funds. It is also possible to refuse to use money for credit purposes.

So, until the potential borrower receives approval from the Pension Fund, the transaction for obtaining, for example, a housing loan will be considered invalid. Without knowledge Pension Fund It is not permissible to spend MSC, and it is simply impossible to withdraw them from federal accounts.

Refusal may occur for the following reasons:

1. Errors in the preparation of various documents.
2. Lack of permitted purpose for spending funds.
3. Questionable status of the selected bank, etc.

To transfer funds you will need certain time. As a rule, the period is 1-2 months. It should be noted that some credit institutions refuse to issue loans against capital due to the length of this procedure. The main types of credit products under MSK are as follows: mortgage, loan for the purchase of housing, loan for house construction and reconstruction. Let's look at each of them in more detail.

Mortgage - conditions, features

When applying for a mortgage loan, you can use family capital as a down payment, as well as to pay off the principal debt. Each creditor puts forward own requirements by program. Generally speaking, the conditions for borrowers are as follows:

Real estate received as a mortgage under the MSK is registered as the shared ownership of all family members without fail. Let's look at purchasing a home with a mortgage using capital using a small example:

The size of the mortgage loan is 1,800,000 rubles. The monthly payment, taking into account the interest rate set by the bank during calculation, is equal to 20,068 rubles. The family decided to contribute maternity capital as payment of the principal debt, which became an option for long-term loan repayment. This affected the amount of the monthly payment, and now it is on average 16,500 rubles. Significant savings on output.

Home loan – prohibited sides

Maternity capital is widely used to obtain a loan to purchase an apartment, both on the primary and secondary markets, as well as to purchase houses and cottages. Employees of the Pension Fund pay close attention to the status of objects purchased on credit. For example, a house must be a safe structure and have the necessary conditions for people to live. Applications for buildings in disrepair and dilapidated condition are definitely rejected. The permissible amount of depreciation of real estate should not exceed 50%. Note that a family will also not be able to buy a dacha or summer house with government funds that does not have heating or plumbing.

Loan for construction and reconstruction - pros and cons

Some families are far-sighted in their decisions, so they choose the option of building their own home using maternity capital. However, the amount of the benefit, of course, will not be enough to cover all the costs necessary to implement the plan, but it will be quite enough for the down payment on the loan. Let's look at an example to better understand the profitability and convenience of the process:

In Russia, it is realistic to build a frame house in about 3-4 months. On average, you will need to purchase materials in the amount of 400,000 to 500,000 rubles, depending on the individual prices of the seller. As you can see, this amount does not exceed the size of the MSC in 2018 ( 453,026 rubles). So, you can purchase everything you need by taking out a loan from one of the country’s banks. In a couple of months, until the Pension Fund makes a decision on transferring money, you will be able to pay for the materials. Next, you will have to decide who will build the house, because by hiring workers, you will also need to spend money, but on your own, the procedure will be cheaper, although it will take large quantity time.

And now about housing reconstruction on credit. The process involves borrowing money to qualitatively change the technical characteristics of part or the entire building. It could be:

1. Increasing the area of ​​the house.
2. Adding another floor or several rooms.
3. Construction of an attic, attic space.

Initially, ask a question about the intended purpose of the state subsidy at the Pension Fund branch, and then select a bank that will issue a loan against capital capital. And remember the difference between reconstruction and major repairs. It will not be possible to change the pipes in the toilet or hang wallpaper in the apartment using MSK.

How to get a loan for maternity capital?

Before we tell you detailed instructions for obtaining a loan under MSK, we note:

1. Loans received from microfinance organizations are prohibited from being repaid with money from maternity capital (the rule has been in effect since 2015).
2. Only parents (father or mother) or adoptive parents of the child have the right to apply for a loan under the MSK.

And now the instructions:

1. Select a bank, credit cooperative with an official operating period of at least 3 years, or another organization engaged in issuing mortgages. Today, not all lenders provide loans against maternity capital, but major market players are actively involved in improving the living conditions of young families.
2. Submit a preliminary application.
3. If you are approved, collect the necessary package of documents. For a detailed list, see the official website of the selected company, because... requirements may vary.
4. Decide on the home you plan to purchase.
5. Contact the Pension Fund. It is advisable to do this before visiting a banking organization.
6. Obtain permission to use maternity capital to repay a loan from a bank by submitting separate documents to the authority (the list will be issued by a Pension Fund specialist) and writing an application for the direction of funds.
7. Apply for a loan. When signing an agreement, pay special attention to the interest rate, payment schedule, as well as items written in fine print (commission, insurance, etc.).

How to choose a bank?

Today, mortgages from many banks in the country are more affordable than ever. Interest rates have been reduced to a minimum, so using maternity capital, you can finally get your own corner. Here is a list of well-known Russian banks that work with lending programs under MSK:

1. "Sberbank"
2. "Bank of Moscow".
3. "Alfa Bank".
4. "Absolut Bank".
5. "VTB 24".

Consider their offers, compare loan amounts, interest rates, term, down payment amount and make an informed decision.

How to obtain permission from the Pension Fund?

To obtain permission from the Pension Fund to apply for a loan against capital, you must first contact them. Remember, without the consent of the Pension Fund, you will not be able to take out a loan to buy an apartment or house. The certificate holder does not have direct access to federal accounts in which family money is kept. You will need to collect some documents, namely:

1. Certificate
2. Passport.
3. Birth certificates for all children.
4. SNILS.
5. Marriage certificate.
6. If we are talking about repaying a current loan, then you need a copy of the loan agreement.
7. Bank account details where funds from MSK will be transferred.
8. Application for the direction of funds.

How to get a cash loan?

Often, potential borrowers have a question: how to get a loan for maternity capital in cash? However, I will have to disappoint you by clarifying that the loan in this case should be exclusively for a specific purpose (mortgage, construction, etc.). Consumer loan cash for maternity capital, credit cards, car loans, microloans are prohibited by law.

In addition, keep in mind that the transfer of money between the Pension Fund and the credit institution is carried out in a non-cash form and no one gives cash to the borrower.

In practice, there are several cases where people tried to deceive the state by cashing out funds from maternity capital, for which they had to pay hefty fines. Representatives of organizations that “help” make the certificate “alive” will face a prison sentence of at least 5 years. We do not recommend that you take risks and play with fire - it is dangerous.