Mortgage and maternity capital is an initial fee. Mortgage for maternity capital. What should be attributed to the Pension Fund

Would you like to buy housing when using the machinery? There is a great solution: Mortgage with maternal capital as an initial fee In banks. Consider today in more detail how you can implement such an opportunity.

At the moment, the following trend is observed in the housing market: the demand for apartments, the houses are growing steadily, but at the same time people are often limited in their financial capabilities. The optimal solution is to use the loan. That is why mortgage is of great popularity. But it also requires enough impressive financial investments. How can I make maternal capital as the first contribution to the mortgage?

Often, the best solution is: to make a significant first installment, and then calmly pay the mortgage every month a certain amount. If the first contribution is quite serious, then the subsequent monthly payments no longer seem like gigantic. And here the state comes to the help of young families. It is the maternity capital as an initial mortgage fee in 2017 became a real chance for a large number of families to improve its living conditions. Today we will consider in more detail how the whole procedure is performed when the maternity capital is used as a first installment when designing mortgage loan. Remember all the details so that you are not confused.

We use Matkapital in the role of the initial mortgage contribution

Now maternity capital opens the opportunity to get a certain financial resourceIf they are born the second (subsequent) child. Pay attention to an important point: the legislation is strictly regulated by how the maternity capital can be spent. These are not just funds that are allowed to spend. The program is strictly targeted. The most important and most popular direction of the implementation of capital is the use of it as a first contribution with mortgage lending.

Many are interested, whether it is possible to use Matkapital as an initial contribution of the mortgage. We clarify all the details.

Two options for applying this support from the state were proposed:

• coating the base amount of debt for the purchase of housing;
• starting attachment in the mortgage.

If you decide to use Matkapital in the role of the first installment, you will first need to determine the spectrum of banking institutions that are ready to work with the maternal capital.

Please note that this resource is not accepted in all banks. In this case, there is a sufficient number of banks that are not only readily accept maternity capital, but also provide quite favorable conditions. mortgage lending For young families. Of course, this is primarily Sberbank. It is in Sberbank Mat Capital as an initial contribution of the mortgage is used quite often.

Remember another nuance. When a family decides to use Matkapital to improve housing conditions Without the attraction of the loan, they will have to wait until the kid on which capital gained will not be three years. Only after the achievement of the three-year-old age is allowed such use of capital.

If required with the help of maternal capital, simply repay the debt on basic payments, nothing needs to wait. As soon as the mother gets a certificate on his hands, she immediately has the right to use it. And for the use of the Matkapali in the role of the starting contribution, the banks found a way out.

The actual use of the Matkapalo: convenient option

Maternity capital is used as an initial contribution to the mortgage in a special way. The fact is that in fact it cannot be directed immediately to the first installment. There are two main reasons.

• The apartment will be pledged by the seller. This is a mortgage in accordance with the law, and it acts as unpaid. Banks does not suit it.
• It is quite problematic to find the seller who will agree to expect when money from the FIU will come.

There is a different scheme of using the Matkapali as the first mortgage contribution, more efficient. The bank with a special program for maternal capital issues a loan more on the size of the Matkapal. Quite often arrange two agreements, while one of them is just the amount of maternal capital. At the same time, the property will be drawn up to the property directly borrower, and not all family members. After this, you can submit documents to the FIU to pay off part of the debt with the help of capital. The borrower needs to be issued a written commitment for this that he relies with the property of all family members after paying a mortgage loan. The obligation is assigned in the notary.

A huge advantage of such a way is the ability to use maternity capital at once, and not wait for a whole three years.

Terms of Mortgage Loan Using Maternity Capital

There are a number of conditions that need to be observed to get a mortgage loan under Matkapital. In most cases, all basic conditions are standard, similar to all banks. Consider a key list of requirements that are presented by banking institutions.

• The borrower must have a permanent job. It needs to work for at least six months. At the same time, in some banks, the requirements are even tougher: they wish to have confirmation of work in one place for more than three years. The main focus is on stability.
• Income in the workplace must be worthy. Of course, the "confirmed" salary is taken into account if its own funds in the purchase are less than 50%. Even if at work go to meet, issuing a certificate of good additional income, such wage Still, there will be no significant role, since it is important constancy, income stability, its warranty - therefore banks are often taken into account only by the main income.
• It has great importance credit history Persons who want to make a mortgage. Excellent if there is a positive credit history. Even if the loan amount was small, this is already a big plus for the borrower, if he at one time carefully paid a loan.

Get a mortgage loan is not so simple, however, many are coping with this. The main thing is to have a real opportunity to fully pay the loan.

Collect all the necessary documents

First of all, it is necessary to obtain an official certified document, in accordance with which the family has the right to state support in the form of maternal capital. Get paper in the pension fund. Then to choose a specific banking institution.

Now it's time to find out which package of documents to be collected for the bank and with the maternal capital as the initial contribution. We will focus on the basic list of official securities that are required in almost all banking institutions:

1. Certificate for maternal capital.
2. Documents confirming the identity. This includes a passport, as well as a certificate of status on tax accounting, pension certificate. In the packet of papers can enter passport, driver's license.
3. We need paper supporting financial consistency, human solvency. A certificate of income, certified by the seal of the head of the institution, where the borrower works. A certificate is necessary in the form of the 2ndfl.
4. It is required to provide a document that will confirm that the citizen has no debt obligations.
5. Ask for and certificate from tax Service. She needs persons who have sources additional incomeFor example, from the delivery of real estate for rent.
6. The agreement on the purchase of real estate facilities is also provided.
7. The certificate from the Department of the Pension Fund should reflect that the citizen has funds in the account.
8. A package of documents for purchased housing is going to: technical certificate Object of real estate, discharge from house books, as well as documents from BTI.
9. The application is issued in which a citizen provides a commitment to further divide the object of real estate among family members.

The bank lies in the amount increased by the size of the Matkapalo. When all documents are already decorated and registered in Rosreestre Agreement on the purchase of a real estate object, that is, the borrower has become the owner, appeal to pension Fund.

Translate Matkapital to the initial contribution

Be sure to need the following documents:

• documents confirming the registration of ownership;
• mortgage Credit Agreement;
• certificate for support from the state - maternal capital.

Please note: sometimes the certification document is lost. This is fixable. You just need to contact the pension fund to be given a duplicate certificate.

For maternal capital in the role of quenching part of the loan, which actually replaced the starting fee, turn to the separation of the Pension Fund. There is a request for maternity capital to be sent to a specific banking institution with which a young family has concluded a mortgage lending contract. The application necessarily indicates that this maternity capital is used to repay mortgage obligations. Remember that the maternity capital for giving a loan under no circumstances is issued in the form of cash.

The following documents are also included in the document for separating the Pension Fund:

1. The certificate from the bank is drawn up: it makes sure that a citizen is going to get a mortgage loan under Matkapital.
2. Paper is provided to the borrower, in particular, the identity card.
3. We need information about the object of acquired real estate.
4. A request is submitted in which a citizen asks to translate maternity capital to a lending bank as a first mortgage contribution.

When you already prepare all the necessary documents, we can say that the main thing is done.

Several important points

Pay attention to some nuances. You will be useful to this information:

• From the moment of complete wrapping of the mortgage loan, the property is recorded on all family members, in equal shares.
• It is very important to contact the pension fund in advance. There is its own specificity of work: the amount of accruals form about once every 6 months. If the family needs to be charged the maternity capital to the first contribution of the mortgage in winter, it is necessary to contact in advance, in the summer.
• It should be remembered that the object of real estate will be under the encumbrance until the moment when the mortgage loan is paid completely. That is, the residential premises can not be given, exchange or sell.
• When making a mortgage loan, insurance is necessarily necessary. This provides additional guarantees for a banking institution, as well as for the borrower itself.

Remember that the main task is to pay a mortgage loan in full. It is important to objectively assess your financial opportunities. Now you know that you take a mortgage with maternal capital as an initial contribution - real.

It remains unchanged. The next time the amount of the certificate will increase on January 1, 2020 - up to 470241 rubles (This value follows from the explanatory note to the draft law on the pension fund budget for 2019 and the period 2020-2021).

Considation of capital funds are permitted by the same as in 2018:

• improvement of housing conditions;
• any child in the family (regardless of the order of birth or adoption);
• formation of a retired mother;
• social adaptation of disabled children (receiving compensation for paid goods and services);
• When the second child appears.

Although the size of maternal capital (MK) did not increase, and the list of permitted areas of use did not expand, some in the program occurred in 2019. Recipients of the Matkapali can now legally manage them on construction of the "country" at home (Although at the legislative level, this concept is abolished). Also, the decision on issuing a personal certificate is not taken more than 1 month, but for 15 days.

When will the next indexation?

Freeze of maternal capital will end January 1, 2020, the size of the certificate will be indexed up to 470 thousand rubles.

It is assumed that the amount of the Matteripal should be revised every year, taking into account the forecast of inflation growth, but this condition is not fulfilled since 2016, when due to the complex financial and economic situation in the country, it was decided to suspend indexation. At first it was assumed that the freezing will be valid 1 year, but then it was extended until 2020.

The fact that indexation will be held again, for the first time became known in June 2017, when Dmitry Medvedev stated at the meeting of the government of the country. Then the program of maternal capital was extended (at a minimum until December 31, 2021), Vladimir Putin signed the relevant law in December 2017.

Maternal capital size in 2019

The amount of the Matkapalis in 2019 has not changed and is 453026 rubles. Regular indexation will be resumed since 2020, the size of the name certificate MK will increase as follows:

• up to 470241 rubles - in 2020;
• up to 489051 rubles - In 2021.

These data are given in explanatory note The draft federal law No. 556363-7 on the budget of the Pension Fund for 2019 and the planning period 2020-2021. The amount of maternal capital after the increase is determined on the basis of the growth index consumer prices, in 2020 and 2021 will be 3,8 and 4 percent respectively.

During the action of the Matkapital (since 2007), its size rose from 250 thousand to 450 thousand rubles. Before freezing, the amount of the certificate increased every year to the projected inflation rate. Almost all this amount rose in 2009 - by 13 percentthen the MK grew up to 312163 rubles. The most insignificant increase was held in 2014 (5 percent), then certificates were issued by the volume 429409 rubles.

What can I spend the maternity capital in 2019?

Maternity capital is allowed to use only software, among them:

1. Improving housing conditions of the family:
   • purchase of housing under the sale contract;
   • construction or reconstruction of a private house (with the attraction of a contract organization or without);
   • receiving compensation for the construction or reconstruction of a private house;
   • payment of the first contribution when making a loan or loan for the purchase or construction of housing (with the conclusion of the contract or not);
   • repayment of the principal debt or interest on loans or loans (including mortgage) for the purchase or construction of housing;
   • payment of the price of the contract of participation in equity construction;
   • payment of the introductory and (or) mutual contribution with participation in cooperative construction.
2. :
   • training for paid educational programs (the organization should be located on the territory of the Russian Federation and to obtain a license to provide relevant services);
   • payment of accommodation in the dormitory at the time of education in higher and secondary educational institutions;
   • payment of preschool education of children.
3. Formation of pension of the mother.
4. Social adaptation of disabled children.

As can be seen from the list of the list, new ways to spend the Matkapali in 2019 was not added, they remained the same as in 2018.

By general rules You can apply for orders by means of MK in three years From the date of birth or adoption of the second (subsequent) child. However, the program provides directions for which the capital can be used. immediately after the right to him, namely:

• Payment of the initial contribution, principal and interest on the improvement of housing conditions. The fulfillment of obligations to the credit institution can be provided with a mortgage agreement.
• Content in kindergarten or nursery (not only in municipal, but also private), as well as other species preschool education children.
• Monthly benefit in the size of children subsistence minimum (Installed for a specific region). The right to payments is provided upon birth (adoption) of the second child from January 1, 2018, if the monthly average family income is not higher than the regional subsistence minimum of the working-age population.
• Acquisition of funds and services (only services of the reader - secretary) for the social adaptation of disabled children. The help from the Matkapali is provided in the form of compensation for already paid goods (services), if they are established by the individual program of rehabilitation and adapting a disabled child. The list of items to which MK can be used is established by the order of Government No. 831-p dated April 30, 2016.

Many citizens continue to be interested, will be still inserted one-time payout 25,000 rubles from maternal capital. The answer is no. This species Support for families with children was not provided since 2017.

Recent changes in the program

In 2019, the federal maternal capital program operates with the following changes:

• The Pension Fund now decides on issuing a certificate for Matkapital for 15 days, not one month, which allows families to start using MK tools before. The corresponding Law No. 390-FZ was signed on October 30, 2018.
• Maternity money can be legally send to the construction of the house on the garden land - SZN (in the past - cottage plot). Mandatory condition - the preliminary real estate should not be a garden house or economic building. From January 1, 2019, Law No. 217-FZ was entered into force on the gardeners and gardening non-commercial partnerships. Thanks to it, the problem of registration in the "country" homes was solved (the concept of "cottage" is now abolished). Since the legislative level is allowed to build residential buildings in Garden land plotswill be allowed and registered in them.

According to the current legislation of our country, the owner of the certificate for Matkapital is entitled to take target housing loan Either loan or purchase of housing. According to a statement in the FIU, state support funds are sent at the expense of payment taken in the debt.

The main advantage of this target investment is only in this case the maternal capital at housing can be disposed of immediately after the appearance of rights on him. This condition acts both for payments on already and at the initial contribution To get a new loan.

Some credit organizations Special programs and options for mortgage lending using borrowers offer borrowers using family capital under a reduced percentage.

Is it possible to invest the maternity capital in the mortgage

In accordance with the Decree of the Government of the Russian Federation No. 862 of December 12, 2007, one of the possible areas of use of the Matkapalo tool is to build or buy housing. If these procedures occur with the help of credit funds, then money from family capital non-cash path organizations that provided a loan or are listed.

To date, the means of state support can be sent to the following goals:

• for the first contribution of a housing loan or loan;
• repayment of the principal debt and payment of interest on the loan.

Certificate can be spent only on target loans. which are issued to purchase or build housing. A loan agreement (a loan agreement) can be concluded both before the emergence of the family the rights to the means of state support and after that. At the same time, not only owner, but also her (his) spouse, has the right to participate in the transaction.

The law is prohibited to use funds from the mat. Capital for repayment of fines, penal or commissions under loan agreements. The purpose of the Funding Direction is indicated in the application for the disposal to the FFR address and is confirmed by the relevant documents.

How to pay mortgage maternal capital

The maternity capital on the repayment of the previous mortgage, can be used after contacting the FIU with the appropriate statement. Money will be listed from the account of the Pension Fund to the organization's account, which is located in a pledge.

Repayment of mortgage Mother capital occurs in several stages:

1. When buying finished housing borrower immediately draws an apartment (house) to the property in Rosreestre. At the same time, the certificate of ownership is noted that housing is pledged by a credit institution.
2. Need to take a bank current debt on credit.
3. Prepare required pack of papersSubmitted to the FIU along with a statement about the disposal of family capital.
4. IN monthly time The application is considered by the specialists of the FIU. If a positive decision is made on it, the same period will be needed to transfer funds from the FIU a credit institution.
5. After receipt money bank makes recalculation and issues new payment schedule borrower.
6. The borrower continues to pay the remaining credit debt.
7. After the final calculation is made with the bank, with housing remove encumbrance, but new owner Must arrange it in the property of all family members.

If the family has already had a mortgage loan before the birth of the second child, then the emergence of the right to Matkapital, the family can make funds provided by the state as early payment.

What documents are needed to repay a mortgage

The maternity capital on the repayment of a mortgage loan is translated by the FIU to the Bank's account after the submission of the documents specified in paragraph 6 and paragraph 13 of the Government Decree No. 862 of December 12, 2007. This list includes:

• statement to the direction of funds that is filled in the FIU;
• passportapplicant;
• if documents submits legal representative, his passport and power of attorney will be required;
• if a credit contract A certificate owner's wife was concluded - the passport of the spouse and a marriage certificate;
• copy credit agreements (mortgage agreement with a marks about the State Registration);
• statement from the bank about the remaining credit debt;
• a document that confirms the listing of a loan to the account of the seller of housing or the developer;
• if accommodation not issued in general shared property all family members need to provide an obligation to fulfill this design Within 6 months after:
  • commissioning of the house (in case of equity construction);
  • removal of encumbrance from a residential facility (with mortgage);
  • immediately after transferring funds from the Pension Fund (in other cases).

The following documents are submitted depending on the purpose of the loan and necessary to confirm target use Tools State support:

• certificate of ownership of the purchased property of real estate (if the finished apartment is purchased or the construction of a residential building is completed);
• the contract of participation in shared construction (if accommodation is purchased in a multi-family house under construction);
• certificate of membership in the housing cooperative (if the loan was taken to introduce a first or mutual contribution in cooperative construction in the ECC, LCD or LNG);
• permission to build a residential building (if the bank issued a loan to build a house not commissioned).

Mat Capital as an initial mortgage fee

In 2015, a restriction on the use of Matratipital as an initial contribution was removed ( the federal law No. 131-FZ dated 05.23.2015 and the Decree of the Government of the Russian Federation No. 950 dated 09.09.2015). Now you can not formally wait until the child turns 3 years, and to let the dedicated funds immediately in the case, i.e. Direct capital at the initial fee for housing loan.

Of course, it would be a good financial support for families who decided to take a mortgage if not technical difficultiesCertificate owners face, since in practice, many nuances have arise, not taken into account in regulatory documents.

In this regard, this issue does not do without difficulties for borrowers, especially if we are talking about mortgage with state support. It is important to understand that when the capital is directed to the first installment, increases credit bidbecause In this case, there is no possibility to take a mortgage loan with state support for minimum rate. For example:

• after registration and issuing a loan with availability own funds As a first installment, it can be partially repurchased by maternity capital - in this case It is possible to make a mortgage with state support ( rates from 10.9% At the beginning of 2017);
• when using family capital funds directly as the first installment bank can issue great amount loan, but only standard lending conditions will act, in which rates are from 12.5%.

For young families, the most burning issue is the ability to direct family capital on the first installment without adding your own savings. This is possible if the maternal capital covers the Bank's requirements for the value of the initial contribution - as a rule, from 10 to 20% From the cost of purchased housing. If the capital does not cover this amount, then the required amount will be required to make own funds. Or you can use reduced first contribution programsBut it is necessary to consider that credit rates are usually higher in this case.

Quite often adding own funds is mandatory condition For lenders. Their amount is 5-10% of the cost of purchased housing over the amount of maternal capital. The presence of own funds at a potential borrower is one of the confirmation of solvency.

What documents are needed to get a mortgage

Depending on the property acquired, the housing loan is issued, package of documents Collected according to the general list, after which it seems to be in the FIU:

• application for the use of materials of the Matkapital;
• applicant passport;
• if the documents in the FIU gives the trustee of the certificate owner - the passport of the representative and the power of attorney;
• if the loan agreement is planned to conclude a certificate owner with his wife - his passport and marriage certificate;
• a copy of the mortgage agreement, with a marking of state registration;
• a copy of the contract of the target loan or a loan agreement;
• a notarized commitment to issue housing to the property of all family members no later than 6 months after entering the housing into operation, relieving the burden or transfer of funds from the FIU.

In addition, you need to attach additional package of papers:

1. When purchasing already built housing on credit:
   • a copy of the contract of sale after its state. registration;
   • a copy of the certificate of ownership (if accommodation is not pledged).
2. If the loan is taken for the direction of funds in equity construction:
   • a copy of the Participation Agreement in Share Construction Marking on State. registration;
   • the extract, which indicates the amount made to the payment of the price of the contract, and the unlawful amount.
3. If a credit funds They are sent secured by the house under construction:
   • copy of the contract of construction contract;
   • copy of building permit.

Mat capital for mortgage up to 3 years

Compared to other types of targets of means of the mortgage under the maternity capital, it has an undeniable advantage: the family has the right to take a housing loan, from the date of birth (adoptions) of the second or subsequent child.

This opportunity will have to be especially the one who already has a previously taken housing loan.

It is worth take into account the fact that on children born (adopted) until December 31, 2018And you can use the tools on it and after this date. However, in the current economic situation in the country and due to the abolition of the indexation of the Matkapalo to 2020, money on issued certificates continues to significantly depreciate. Perhaps parents it is worth hurry And to find an embedding version of the certificate of funds as soon as possible. In this case, for many families, the mortgage may be the only possible solution.

What banks give a mortgage for maternity capital

Offers for those who want to dispose of means of state support have many financial institutions. In 2017, the mortgage under the maternal (family) capital issues the following banks:

• Separate products for the owners of the Matkapital are offered, Bank of Moscow, Rosselkhozbank, Deltacredit.
• Raiffeisen Bank offers a mortgage at a rate of 11%, lending period from 1 year to 25 years and the first installment of 0%.

Today, almost on any site of the credit organization is mortgage calculator . When calculating mortgages, monthly payments should be calculated on 10, 15, 20 or 30 years.

Due to the peculiarities of paying the principal debt and interest, the increase in term often does not significantly reduce the amount of funds that must be made every month. Most likely, payments for the 15- and 20-year period will not differ significantly.

Mortgage under the mat Capital in Sberbank

Thanks to selectivity and checks potential borrowers, fairly loyal. On the organization's website, the conditions for the design and features of payment of the mortgage loan are very detailed, as well as advice, how to take a mortgage for matapital, how to remove burden with housing, etc.

Conditions of the program "Mortgage plus maternity capital" From Sberbank in 2017:

• rate from 13.5% for finished housing;
• lack of loan service commissions;
• the ability to use Matkapital as the first installment;
• amounts are provided from 300 thousand rubles;
• an individual approach to consideration of applications for credit;
• the first installment is from 20%;
• lending period up to 30 years;
• additional bonuses for salaries on Sberbank card.

Before design housing loan The Bank requires confirmation of the borrower's solvency (2-NDFL certificate or in the form of a bank), state and help from the FIU on the remaining of maternal funds.

Mortgage under Matkapital in VTB-24

Another quite popular among borrowers Bank - VTB. The site of this bank is not very convenient for users, like the Sberbank website, and contains less information that would be very useful to future borrowers. Therefore, it is better to contact the nearest branch of the credit institution.

Can be used only on repayment of the previously decorated loan (It is impossible to the initial contribution). However, this credit organization also offers a mortgage mortgage to design.

For mortgage under family capital in VTB-24 Conditions in 2017 are as follows:

• you can take a mortgage ready accommodation and an apartment in the still under construction;
• with the standard list of documents, the first contribution to the purchase of finished housing is from 10% with a rate of 12.6% per annum - also from 10%, but a rate of 12%;
• the size of the loan is from 600 thousand to 60 million rubles.

Contact the FIU in the direction of the Matkapalo funds to the mortgage follows after signing the contract with the Bank.

Mortgage for maternity capital in AHML

Agency for mortgage housing lending (AHML) not only definancing loans already issued, but also provides mortgage with state support with very favorable conditions.

Within the framework of the product "Mortgage with state support" AHML provides the option "Maternal Capital", in which family capital is taken into account when issuing a loan for special conditions:

1. Mortgage loan includes 2 components:
   • first - the usual, which is repaid by parts during the period prescribed in the contract (from 3 to 30 years);
   • secondit is issued for 180 days and paid from family capital or from the borrower's personal funds.
2. The coacher for this program should be certificate owner owner on Matkapital.
3. The basis of the sentence is the program "Mortgage with state support" with conditions for the borrower:
   • first contribution from 10% of the loan amount;
   • depending on the size of the loan, the interest rate changes.
4. Real estate can be purchased into a mortgage as on primary, so I. on the secondary market.
5. The loan amount is from 300 thousand rubles.

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

• from 11.75% When buying housing at the construction stage;
• from 12.00% repayment of the existing mortgage loan or when purchasing finished housing;
• from 10.50% When purchasing housing on the product "Mortgage with state support".

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Housing issue is an acute problem in our country. Several years flourishes the epoch economic crisis. Most young families are forced to rent an apartment, giving an unfamiliar person half a wage monthly. In order to resolve real estate issues, the state provided the opportunity the use of maternal capital as an initial contribution when making a mortgage.

Basic concepts

At the end of May 2015, the president was adopted by the FZ-131, according to which the opportunity appeared.

For a young family, it is possible:

• Use a fixed amount as an initial contribution when making a loan for the purchase of real estate.
• Partially repay the mortgage taken earlier.

Requirements for the potential borrower

A loan for the purchase of real estate, in which maternity capital is the initial contribution, will be approved if the client meets certain requirements.

Co-worker - individualacting in the role of the guarantor. In case of non-payment of debt, the main payer, all obligations go to it.

Any family member or another person who has achieved can participate as a consoletor 25 years.

Step-by-step instructions for buying real estate

The procedure for designing a mortgage loan is divided into several basic steps:

1. confirming the right to use funds. It is issued in the IFC, the Pension Fund, the Department of Social Protection of the Population or in the city administration at the place of official residence. This requires:
   1. Apply, providing a list necessary documents (passports and birth certificates of all family members, a statement drawn up in an organization)
   2. Wait for consideration. Maximum term - 31 Calendar Day.
   3. Get a personal certificate.
2. Apply for a mortgage application.
3. Waiting for the solution. The term of consideration is from 1 day to 1 month.
4. With a positive response, the next step will be the search for housing and drawing up a sales contract.
5. Writing Application for the transfer of funds state support on the accounting account of the banking organization. This step is performed in the same place where the certificate was obtained. To make a translation required to provide:
   1. Passport of the legal representative of the child.
   2. Treaty on the purchase and sale of the selected immovable object.
   3. Certificate confirming the right to his property.
   4. Name certificate.

All operations related to the use of maternal capital are carried out only by non-cash. Their transmission in the form of cash is impossible.

Documents that need to provide a bank

If the applicant is a better decision that he wants to buy an object precisely at the expense of mortgage lending, he needs to provide a bank organization list of documents:

• Documents that certify the identity of the applicant and its concern. Prerequisite for all banks - assurance of a passport of a citizen of the Russian Federation. Some organizations require further provision driver's license, Inn or passport.
• SNILS All family members, including those who have not achieved adult age.
• Certificateconfirming that the applicant has the right to use maternal capital.
• Documents confirming official income. Almost all banking organizations request a certificate in the form of 2ndfl for last year Work. When making mortgage lending calculated the total average pure Salary of the borrower and the concern.
• Documents confirming the right Any real estate and driven object.
• Statement On the intention of the legal representative to allocate shared property for each child.

If it was lost before lending to the registered certificate, then its owner has the right to issue a duplicate.

Comparative analysis of bank proposals in 2018

The interest rate may vary depending on:

• Lending programs.
• Term of lending.
• Amount of initial contribution.
• Type of object.

It is necessary to take into account, for some categories of mortgage citizens favorable conditions: Military, teachers, young families.

About insurance

Issuing the amount of real estate purchase is a huge risk for any financial organization. For this reason insurance is an integral part when issuing a loan.

Insurance is necessary for the following purposes:

• If the borrower gets a serious injury or will lose his job, then a certain amount for it in the bank will reimburse the insurance company.
• At the death of the borrower, the apartment will not turn into the ownership of the bank, but will get a concern or go into the inheritance to a relative.

Insurance is to ensure reliability and confidence, both for the bank and for the applicant itself.

In many banks, this type of service is no obligatoryBut the presence of insurance may noticeably increase the chances of acquiring a loan.

Insurance is paid as follows:

1. It is included in the amount of the principal debt. Completely paid in the first year. After its repayment, the bank's client will pay the remaining amount taken to buy real estate.
2. It is included in the amount of the principal debt. Payment by increasing the amount of the monthly payment.
3. The client buys insurance at the expense of its own funds.
4. The client refuses to acquire insurance.

In some organizations, the interest rate is not charged on the size of the insurance payment.

Possible nuances

• All expenses Pension Fund plans in advance. If you plan to use state material support as an initial contribution, then it is necessary to notify it about your intentions no later than half a year before the transaction.
• Only Maternity Capital can be used to design a loan. in full. Partial funding is strictly prohibited. If the certificate owner has already spent the funds for other purposes, it will be impossible to use them for this transaction.
• If the factory capital is involved in the process of acquiring real estate, it cannot be intended to be one person. The residential object is drawn up on all family members in equivalent shares.
• After successful transaction acquired real estate will be in burden. And this means that to make any manipulation with it (exchange, selling, division into share) will be possible only with the resolution of the bank.
• If the object is secured by the bank, then make a registration in it to a minor cannot be impossible. In the case of the bankruptcy of the borrower of the financial organization, return its rights to property will be noticeably more difficult.
• Pension fund employees have the right to refuse to the Client in translating funds to the bank's account, if it has significant reasons for this. He, in turn, can appeal the decision.
• The minimum initial contribution in almost all banks is 10%. If the amount of maternal capital does not cover this size, then the difference will have to contribute independently.

Important moments

Cheaper to buy an apartment with shares construction. The amount per square meter will be noticeably lower than in the already built house. The owner has the opportunity to live in a new building with good repairs, installed double-glazed windows and new pipes. In this transaction there are risks. For example, building a building can be discontinued or a residential object will not correspond to the specified parameters.

By law, the borrower can refuse to acquire insurance. After such a solution, the chances of the client on a positive decision will noticeably decrease. Without this service, the issuance of a large amount for a financial organization is a big risk. The consumer also cannot be absolutely confident that he will always have the opportunity to pay.

Not all banks are ready as an initial contribution to take maternity capital. Many organizations require consumer to make an initial contribution in the specified amount. The process of making mortgage in this case will last noticeably longer (from 1 month to six months).

"Black list"

The most common cause of refusal in any lending is a bad credit history. If the karma of the consumer is already spoiled, then to obtain a positive solution, it needs:

1. Fix this deficiency. Fully cover your own debentures And try to negotiate with the representative of the bank to remove from the black list.
2. Try to take a chalk commercial organization. Many of them do not sign a contract for obtaining this information, as any client is important for them. It is worth considering that in such organizations the lending conditions are noticeably worse than government organizations.
3. Use the help of a mortgage broker or the services of a financial advisory.
4. Purchase property in installments from the developer.

Registration of a loan for the purchase of housing with the use of maternal capital - the most popular type of transaction. Thanks to him, many families were able to acquire his corner.

The appearance in the family of the second child often requires moving to a new house with greater living space. It can be bought using a mortgage loan and taking advantage of material help states.

We will tell you how the maternity capital could be used as an initial contribution of mortgage in 2018, which procedure should be passed.

You will learn what banks are loans available on residential real estate Under Matkapital, and under what conditions you can use payment of mortgage maternal capital.

Maternity capital is allocated to the family of Russians, in which the second child appeared, according to the law from December 29, 2006 No. 256-FZ.

Cash Matthew is not issued - in the Pension Fund of the Russian Federation, who serves as a manager of funds, you can only get a certificate for Matkapital in my hands. It was indexed annually and in 2017 reached the amount of 453 thousand rubles.

The aforementioned law allows you to use this money for one or more of the 4th goals:

1. making fees for the education of the child;
2. social adaptation of disabled children;
3. cumulative part of the mother's pension;
4. improving the housing conditions of children.

Changes made by law from 23 May 2015 № 131-ФЗ, Allow families with two or more children to spend maternity capital as an initial contribution of mortgage. Earlier, only the matcapital part of the debt on the already obtained mortgage loan was allowed.

Important: Maskapital cashing. A person going to contact a bank for a loan to buy housing should notify the pension fund for six months, since the department is planning payments only twice a year.

And for the creditor bank, and for the manager of the PF, the borrower will have to collect numerous documents for repaying the mortgage maternal capital.

Requirements when using the Matkapal

To take a mortgage with the payment of maternal capital, the borrower and his family must meet the requirements:

• stable income that makes it possible to make monthly payments, which is not difficult to confirm documented;
• as a rule, employment experience at least 6 months at the current place of work and at least a year of experience over the past 5 years;
• positive credit history;
• the presence of the total amount of the means of the Matkapalo - if it is partially used, to send the balance of money to the initial contribution is impossible;
• certificate for Matkapital "On Hands";
• lack of ownership of another housing family.

Please note: to increase the size of the confirmed income, the person taking the mortgage loan is entitled to attract co-coaches independently of the source of funds to the initial fee.

Documents for repayment of mortgage maternal capital

We turn to documentaries, how can the maternity capital in the mortgage can be considered. Documents that will be required to repay mortgages by maternal capital and are used to transfer the bank to the lender and the Pension Fund of the Russian Federation consist of the following standard list:

• 1 or 2 identity documents;
• marriage certificate (in case of receipt of the loan by the wife of the owner of the Matkapali);
• documents proving solvency;
• certificate for Matkapital;
• certificate from the PF of the Russian Federation on the funds of the Matkapalo at the person in the account;
• documents of the acquired immovable object (lists of papers differ depending on the type of acquisition - square meters in a new building, an apartment on the "secondary", a private house and etc.).

Important: If a private house is bought in a mortgage, a document is required to a plot, where it is indicated that the Earth is highlighted under ILS. The involvement of the Matkapali when buying a cottage or a different structure not recognized by the residential premises is not allowed.

Accurate list of documents should be clarified by the Bank's specialist. Moreover, any credit institution reserves the right to ask for additional paper from the client.

To the Department of PF of the Russian Federation, you need to submit:

• statement;
• passport;
• a letter of confirmation of the intention to spend the maternity capital for the purchase of housing (you need to take a bank);
• marriage certificate (in the aforementioned case);
• paper about purchased property.

FIU experts may also require additional papers.

Mortgage Take Procedure for Matteripital

1. Obtaining a mortgage loan with maternal capital as an initial contribution begins with the choice of a banking organization offering such a loan program.
2. Having considered the documents certifying the identity of the client (identity of co-coaches) and the composition of his family and confirming income, the credit organization approves a loan and gives the client a corresponding confirmation letter.
3. With this letter, it is necessary to immediately come to the separation of the Pension Fund, to apply.
4. Having received the written consent of the PF to use the Matkapital, you need to go to the bank again. There, the client signs a loan agreement and receives borrowed funds.
5. The borrower makes a purchase and sale transaction or a contract of equity.
6. The borrower again goes to the Pension Fund and submits to the maternity capital to the mortgage the documents mentioned above.
7. The fund pays funds to the Bank for three months.

Important: Upon receipt of a mortgage loan of the client, "pitfalls" are waiting for the fact that the Matteripital is listed by the creditor not at the time of issuing a loan.

In order not to give a mortgage without a first installment, banks provide a borrower two credits:

1. mortgage;
2. on the amount of initial contribution for a period of 3 months.

And until it comes to harvesting mortgage maternal capital listed from the PF, the client is forced to serve the second loan for his own account.

Terms of this loan, including the main thing - interest rate - should be recognized directly in the banking organization.

Which banks accept payment of mortgage maternal capital

The undoubted advantage of lending to the maternity capital is no higher mortgage interest than when paying the first contribution by other funds.

The disadvantages include the fact that only a few credit organizations agree to accept Matkapital as an initial contribution. But among these few - the largest banks Russia, including those represented in all regions and even district centers offering a mortgage at low rates.

Sberbank

The country's largest lender permits the payment of the first contribution of mortgage maternal capital both when buying ready-made housing and under construction.

Sberbank suggests mortgage loans With the following advantages:

• special conditions for customers - "salaries";
• reduced rate for young families (during the action period);
• lack of commissions (for issuing a loan and other).

Please note: Most recently, the Bank introduced a new option - electronic transaction registration, giving a 0.5% discount on interest rate.

For a young family, making an electronic registration, the mortgage rate for secondary housing will be only 10.25%.

A single basic mortgage rate on an apartment in an accredited new building - 10.9%, with electronic registration - 10.4%.

Loan term - up to 30 years.

The minimum initial fee is 20%.

VTB 24

Mortgage for maternity capital in VTB 24 is available when buying housing on the primary market or used housing.

Main conditions:

• base rate - 10.9-11.25%;
• the loan amount is 0.6-60 million rubles;
• term - up to 30 years;
• min. The initial contribution is 10%;
• mandatory integrated insurance (property, title, life and health of the borrower).

The rate decreases by 1% when buying an apartment from 65 square meters. m.

VTB Bank of Moscow

Another major organization from the VTB group gives a mortgage at the first contribution of 10%.

Please note: VTB Bank of Moscow requires to make at least 5% of the cost of real estate purchased with its own money.

Loan rate - from 10.4%. Term - up to 25 years.

The lender attracts a whole set of shares and discounts on apartments in new buildings from developers partners, offering residential areas in thousands of accredited new buildings.

Deltacredit

Deltacredit offers under the Matkapital Loans for the purchase:

• own separate house;
• apartments;
• rooms;
• shares in the apartment.

When paying the mother capital, the initial contribution decreases by 10% compared with the standard rules.

The bank practices a whole range special programsallowing you to get a reduced interest rate.

The maximum mortgage period is 25 years.

UniCredit Bank

Unicredit Bank gives a mortgage for up to 30 years with the first contribution of at least 15% both on the "secondary" and housing from the developer and on individual Construction own home.

The maximum loan amount depends on the value of the first contribution and region - Moscow and St. Petersburg or the other.

The minimum interest rate is 10.9%.

Important nuances

The bank's client taking the mortgage loan for maternity capital is entitled to count on an increase in the loan amount. By the amount calculated on the basis of the confirmed average income, the lender will drop the size of the machinery. But if it is not enough for the initial contribution, you will have to either seek additional funds, or take the amount less than the maximum.

Comparing the terms of banks, you should pay attention to the shares and special offers. So, the lender with the developer sometimes offers even "doubling of maternal capital."

Making a mortgage dwelling in property, the borrower is obliged to register all family members and persons equated to those, as owners who own real estate in equal shares.

When you first appeal to the bank office, you need to ask if the organization will agree to lend to the Matteripital to acquire exactly the type of real estate that the family plans to buy. For example, if it is decided to purchase an apartment in a specific new building, clarify whether only the "secondary" or only accredited by the newstroke is not credited.

In our next material you are about the possibility of mortgage using the state with the lowest percentage: AHML programs.

Conclusion

Registration of a mortgage loan with an initial contribution due to maternal capital is a long and difficult procedure that requires a large number of papers and considerable patience, at the same time without making loyal to check the borrower by the bank.

But best use Gospeople in 453 thousand rubles, receiving a loan for housing without spending your own money for the first installment at a low interest rate, and most importantly - the acquisition of own dwellings justify all efforts, moral costs and even time spending.