Mat. Capital as an initial mortgage payment: conditions. Documents for the repayment of the mortgage by the parent capital

Only units of young families manage to independently acquire their own housing, which would correspond to their desires, to the money that is deferred from wages. Of course, it can be the help of relatives, their accumulated money, but the most common type of funds is mortgage lending. The state is interested in the fact that young families receive separate housing, and therefore developed a whole system of support for young families.

Maternity certificate for housing improvement

To date, maternity capital is an essential aid for families with two or more children. The program has been working since 2007. It can be spent on the expansion of living space, including paying off part of the debt for mortgage lending, spending on paying for a higher education institution or a mother's pension. The most common way to use such help for Russian families is the first option. After the president signed in May 2015, FZ-131 mat. Capital as an initial mortgage payment can be used regardless of the age of birth or adoption of the second child. Since the operation of this type of state. Support for the use of such assistance is increasingly expanding. Earlier, without waiting for the execution of 3 years of the child, it was possible to take advantage only of the limited possibilities of such a certificate.

Is it possible to use the mother certificate today as an initial year?

The type of state support contemplated involves obtaining a non-cash certificate that can not be exchanged and can only be used by the family in certain cases. Since 2016, the right to make maternity capital as an initial mortgage payment is valid. The basis is ФЗ № 131 from May 23, 2015 .

If we talk about general rules, maternity capital can be used as an initial contribution, and as a repayment of the basic credit debt. This is a great opportunity for a young family to reduce the size of the financial burden and pay the mortgage somewhat faster than the payment schedule implies.

Unfortunately, even here it is impossible without complications. Not every banking organization easily conducts a mortgage with a parent's capital. But there are also banks that draw up such deals, providing profitable programs. As a rule, today in many organizations the maximum mortgage rate is 14%.

How to apply?

In the event that the family plans to use maternity capital as an initial mortgage payment, borrowers must meet all the requirements of the banking organization. In most cases, the requirements for issuing such a loan are practically the same as for a typical consumer loan:

1. Candidates must have a permanent place of work and work experience of at least six months. Some banks make as a mandatory requirement - at least a year in the last 5 years.

2. Previously, for the calculation of the mortgage offer, the banking organizations took into account only the legal, confirmed income of the borrower. "Gray" salary could only act as a secondary earnings, but more often it was not paid attention. And till now large organizations work under such scheme. But a lot of competition among financial institutions can benefit borrowers. Some banks take into account any income of a potential borrower, including an unofficial one. It is necessary to learn about the peculiarities of these conditions from the employees of the organization in the process of consultation. Sometimes it is the indication of this amount that becomes decisive when approving a mortgage.

3. Lack of formal property in the property. This condition is valid only for those who wish to issue a mortgage on preferential programs subsidized by the state.

4. When the repayment of the mortgage by the parent is used, allocation of shares to the children is compulsory.

5. In order to be able to become a mortgage owner under a social program, the borrower must have a positive credit history.

How to take a mortgage with the parent capital?

Before initiating the procedure for transferring family certificate funds to repay housing loans, you must go to the Pension Fund and receive this certificate, which will be the official confirmation of this right.

When the certificate is on hand, future borrowers must decide with which bank organization they will cooperate and where it is worth submitting the documents. It is best to visit several banking organizations and calculate a mortgage with the parent capital for all available programs. Only after a careful analysis of the proposed terms of lending (interest rate, pre-approved amount, additional insurance, etc.) can you apply for clearance.

Today, there is no need to wait until the child, after the appearance of which the family has received the right to the mother certificate, will be 3 years old. If you need to use the certificate of the owner (that is, the mother of children), you must apply to the territorial office of the Russian Federation with a corresponding application and a package of documents.

Documents for the repayment of the mortgage by the parent capital

In order to use the means of the certificate for the execution of their debts, a certain package of documents will be required. Depending on the organization chosen, additional requirements may be raised. But, as a rule, most banks ask for the following documents for the repayment of the mortgage by the parent capital:

1. Passports of Russian citizens and copies of documents. This: INN, SNILS, a certified copy of the work book from the workplace. It will not be superfluous to provide a foreign passport or driver's license or PTA.
2. Certificate confirming the right to receive maternity capital.
3. A set of documents that officially confirms the borrower's earnings: a document confirming the absence of indebtedness on compulsory payments, a certificate on the form of the bank on income, or a standard form of 2-NDFL can be used.
4. The contract of sale of an apartment or house.
5. Information about the purchased object: mandatory information on the status of the facility BTI, an extract from the house book, a passport with an assessment of technical condition.
6. Official confirmation from the Pension Fund that the account of a potential borrower does have cash.
7. Application for registration in shared ownership.

What should be attributed to the pension fund?

It is important to understand that a mortgage using maternity capital is not a quick procedure. Especially if the buyer does not use the services of real estate agencies and draws up a deal on their own. After the bank has been provided with all documents, extracts and other requested documents, it is necessary to go to the Pension Fund and provide them with some papers. Typically, this is:

1. Official paper from the bank, indicating that the borrower really intends to enter into a contract for the purchase of a mortgage. As a rule, this document is issued by the bank in the usual form.
2. All general information about the housing facility, which will become the subject of mortgage lending.
3. All documents, as in the case with the bank, are owned by the borrower (passport, SNILS, TIN).
4. It is mandatory to write an application for the transfer of funds with an indication of the bank details.

Conditions for mortgages from the most popular banks

Any financial institution is interested in making as many contracts as possible on large loans. To such types of crediting is the mortgage for maternity capital. Banks, as practice shows, differently relate to the registration of a loan that involves accounting for family capital. Therefore, before deciding on how to use the mat. Capital as an initial contribution to a mortgage, it is worth exploring the conditions of financial institutions. Experts recommend first of all to address to the large organizations which use the big popularity among borrowers.

Mortgage with Sberbank

Perhaps, this is the same bank that is ready to provide a mortgage for housing, regardless of its category. So, each borrower can formalize an agreement for the purchase of a second home, a private house or an apartment in a new building. It is also possible and mortgage for maternity capital. The main requirement of the bank is compulsory transfer of funds of the certificate within six months after the conclusion of the transaction.

Official conditions:

1. The loan is granted only in national currency.
2. The rate for mortgage lending is 14.5%.
3. The maximum crediting period is thirty years.
4. The amount of the initial contribution must be at least 20 percent.
5. The transaction value is not more than 40 000 000 rubles.

"VTB 24"

The second most popular bank, with which borrowers cooperate, making out a mortgage. The contract can be concluded absolutely on any housing, regardless of its category. That is, it can be private property, secondary housing, a new building. For the bank, this factor is not determinative. A mortgage for maternity capital is also available here. Basic conditions for entering into an agreement with VTB 24:

1. Operations for the acquisition of a mortgage dwelling are made only in national currency;
2. The average interest rate is 15.95%;
3. The maximum term for the conclusion of a mortgage is 30 years;
4. The minimum payment for the transaction is 20%;
5. The cost of housing should not exceed 30,000,000 rubles.

"DeltaCreditBank"

If you want to make a mortgage in Delta Credit Bank, you need to remember that registration is possible only for primary and secondary housing. The transfer of funds from the date of conclusion of the contract is possible within a year from the date of signing.

Conditions on which it is possible to issue a mortgage using the means of family capital:

1. All transactions and transfers are possible only in national currency - rubles.
2. The average lending rate is 15.25%.
3. Entry fee is 30%.
4. The maximum possible period of credit should not exceed 25 years.

Calculation of down payment

As a rule, not every bank provides information on what the amount of the initial contribution will be. Each family wishes to know what conditions it can draw, and therefore wishes to calculate the amount of the initial contribution independently. In reality, it is not so difficult. To do this, you need to know the exact cost of housing and part expressed in percentage, which the bank requires as a down payment. So, for example, if an apartment or a house costs 3,000,000 rubles, and the bank requires a minimum of 20%, 600,000 rubles are obtained. In the event that the family plans to use the mat. Capital as an initial installment on a mortgage, it is quite logical that in any case it is necessary to pay the amount in cash.

If the family counts exclusively on the help of the certificate, then it is possible to calculate the cost of housing for which it can claim. The formula is simple: the size of the mat. Capital х 100 / the indicator of initial payment.

Recommendations

It is important to understand that maternity capital is a form of state support, so the amount that is given out can be used only for specific needs. It is impossible to go and spend it whenever you want. If you plan to use the mat. Capital as an initial installment for a mortgage or as a payment for repayment of the principal debt, it is necessary to warn the Pension Fund about it half a year before the conclusion of the transaction. The state budget and payments are planned every six months.

In the event that part of the parent capital has already been used, then the balance will not be used as an initial payment. The only thing that can be done is to reduce the debt under the existing mortgage agreement.

Conclusion

Before contacting the bank, you need to decide for yourself which construction program to give preference. And although with the participation in shared construction, the risk is several times greater, the family can win a considerable number of meters, as well as make a mortgage at a more favorable price in terms of monthly payments.