Maternal capital is a kind of subsidy issued by the state to support families with two or more children. Using these tools, you can targeted loan in a bank, for example, to build a house. We will talk about banks that give such loans below. We will also discuss whether it is possible to take consumer credit secured by maternity capital and whether it is possible to receive funds in cash.
| Bank | Bid | Sum | Term |
| from 7.4% | up to 30 million rubles | up to 30 years | |
| Rosselkhozbank | 9,7 — 12% | up to 20 million rubles | 30 years |
| VTB 24 | from 9.7% | up to 30 million rubles | 20 years |
| Bank opening | 13% | up to 20 million rubles | 20 years |
| VTB Bank of Moscow | from 9.5% | 85% of the property value | 30 years |
| Gazprombank | from 9.5% | from 500 thousand rubles | up to 30 years |
| UniCredit Bank | 11,5 — 12,7% | up to 9 million rubles | up to 30 years |
| Binbank | 9,25% | up to 20 million rubles | up to 30 years |
| Primsotsbank | 16% | from 100 thousand rubles | 6 months |
| Asia Pacific Bank | from 19% | from 150 thousand rubles | 150 days |
A banking organization lends to holders of a certificate for maternity capital under the following conditions:
You can spend maternity capital funds only for purposes that are established by applicable law. Permitted ones include:
This is the permitted use of the funds. The money can be used to pay the first installment or pay off the main part of the debt.
Not all banking organizations are currently providing mortgages for maternity capital. This is partly due to economic situation, as well as the fact that the funds are transferred for quite a long time.
Note that the procedure for repaying a mortgage using a certificate is simpler than the very execution of such a loan. You notify the bank that you want to pay off the mortgage in full ahead of schedule, take a certificate of the balance of the debt, collect required package documentation, then present the papers to the FIU. Funds will be transferred within two months.
The main requirement that must be met in order to receive a loan is to provide a certificate that gives the right to use the money. Both the bank and the FIU will put forward a number of requirements for you as a borrower. This is especially true if you plan to use maternity capital as a down payment on a mortgage program.
The standard list of conditions for issuance includes:
PFR specialists put forward their requirements for the property you want to purchase. It must be located on the territory of our country and have a certain footage.
With regard to life and health insurance, this is a voluntary matter and is carried out at your discretion. But be prepared for the fact that if you refuse insurance, the bank may offer you unfavorable lending conditions, or rather, an increased interest rate.
There is only one answer, and it is negative. It is not possible to get a cash loan in this case. We have already said that the loan for MSC funds is targeted, which means that all payments are made only by bank transfer.
Just a couple of years ago, you could apply to an MFI, where a loan under the MSC was issued in cash. But such transactions are illegal, although you can still find ads for such services today, especially in small towns.
Who is giving this money? Fraudsters. Moreover, criminal liability will follow both for them and for you if you take part in such a scheme. Therefore, you should not even think about how to get a cash loan for maternity capital.
Since 2017, the maternity capital lending procedure has been significantly simplified. Now banking organizations will not require you to provide proof of income. This is a significant relief for borrowers: the procedure for obtaining a loan is faster.
Now it is enough for you to provide only a certificate for maternity capital and a passport as the main documents.
The standard list includes the following criteria:
Requirements may differ from one credit institution to another. They are negotiated individually with the loan officer of the bank.
The list includes several documentation packages.
The main one includes:
If you are hiring a co-borrower:
Since the process of obtaining a loan is carefully controlled not only by employees of a banking organization, but also by the Pension Fund of the Russian Federation, it is worth paying maximum attention to it.
Step number 1. We choose a banking organization and a loan product.
Although many banking institutions have refused to provide such loans, you have a choice. Analyze the offers on the market and choose the most profitable for yourself.
Step number 2. We turn to the FIU.
The ideal option is to contact the institution in advance. Without the approval of the fund, you will not be able to take or repay the loan. Submit to the FIU:
Step number 3. We draw up a contract.
Do not forget to carefully study all the conditions, read each paragraph, which is written in small print. It happens that the amount of the overpayment changes in a larger direction than it was before the document was issued.
From the Pension Fund, you take a certificate that indicates the balance of funds in your account. You submit it to a banking organization along with a standard package of documentation. If the FIU approved the loan, the money will be transferred to the bank to pay the down payment. The term of the transfer varies from 10 days to 2 months.
The positive aspects of a mortgage with maternity capital include:
There are definitely negatives:
Now there are mortgages with maternity capital in almost all credit institutions. To use this direction of lending, you must first obtain an appropriate certificate from the Pension Fund. It is this document that gives the right to use public money under the “Mat. capital". Most banks require a standard package of documentation when applying for a mortgage with maternity capital. But, sometimes a financial institution may request additional paperwork.
One of the goals of using maternity capital funds is to improve housing conditions. You can buy a home with this money only after the baby is three years old. The exception is:
Under such conditions, you do not need to wait until the baby is three years old. You can start the procedure for buying a home with a mortgage.
Depending on the credit institution, the period for considering an application for a mortgage with maternity capital can be from two days to one month.
Standard package of documentation for registration:
In addition to the standard documentation package, a specialist in a credit institution may request additional paperwork.
Almost all banks are now working with the "matkapital" program. We list the lending conditions in the most widely used credit institutions:
|
Bank |
Bid | The documents | Contribution | Loan terms | Maximum amount |
| Sberbank | 8, 9 % | Standard | 10% or mat. capital | 1 -30 years old | |
|
VTB 24 |
11 % | Additionally, you must bring a copy of the cadastral passport, a certificate of Form No. 9 and a notarized real estate valuation. | 20% or mat. capital | 1 – 30 years | 30 million rubles |
| UniCredit | 9, 5 – 13 % | Standard | 20% or mat. capital | 1 – 30 years | |
|
DeltaCredit |
10 % | Standard | 5% or mat. capital | 1 – 25 years | 30 million rubles |
| Bank of Moscow | 12, 45 -13, 95 % | Standard | 10% or financial capital | 50 years | |
|
Bank opening" |
from 10% | Standard | 30% or mat. capital | 30 years | |
|
Nomos Bank |
12, 25 – 13, 25 % | Standard Package | 10% or mat. capital | 3 – 30 years | 30 million rubles |
| Primsotsbank | 15 – 16, 5 % | Standard Package | 2 – 6 months |
All listed banks have their own official website. Using a special calculator, you can calculate an approximate mortgage payment before going to the bank. Bank interest for a loan depends on the program and the name of the credit institution. Therefore, before taking a mortgage, it is recommended to conduct a thorough analysis of the proposals.
Maternity capital enables all families to realize what they want. It is a measure of social support aimed at improving financial condition citizens who have a second child. It is also possible to receive funds when adopting a baby. And the amount is given not only for the second, but also for the next child, if he appeared not earlier than 2007. The state always takes care of the population. And in this case, a certificate for maternity capital is one of the state support which aims to improve the demographic crisis in the country.
The measure of social support is now expressed in the actions of social support in the economy. That is why a new bill was introduced, which allows you to receive an amount for improving housing conditions, education and other purposes. The innovation came into force in 2007.
Almost every fifth family has already taken advantage of the government's offer. Some have already paid off their mortgages with the help of matkapital.
Each financial institution has its own peculiarities of providing mortgage program. First, you need to understand that not all credit organizations ready to accept maternity capital as payment for a loan or down payment. Therefore, you need to familiarize yourself with the credit line in advance and make an independent choice.
For registration, parents will need to obtain a certificate that will certify their right to purchase financial assistance. To do this, you need to contact the Pension Fund and write an application in the prescribed form, attaching a specific package of documents. To obtain a certificate, you need:
Both a woman and a man, and children can receive a certificate. In the last two cases, certain circumstances must be met. For example, the death of the mother or the deprivation of her parental rights.
In addition to this package of documents, if a citizen decides to improve housing conditions with the help of maternity capital, then he must also provide a certain package of documents. In every banking institution this list is individual.
It should also be understood that banks do not cash out funds, but simply deposit them by bank transfer to the client's account. If such an advertisement is available on the Internet, then this is a scam. And this illegal act is criminally punishable.
From year to year mortgage credit lending is gaining momentum more and more. And this allows almost every third person to acquire the desired property. At the moment, the following companies offer optimal lending conditions:
Mortgage lending from VTB 24 is the most common offer, which is in rather high demand. Here you can buy both a new building and an apartment on the secondary market, build your own housing. There are also several features here:
Sberbank is the most popular institution that issues mortgage loans to almost everyone. Here you can purchase a loan for a new building or for an existing home. Additionally, it is worth noting here:
The mate capital program in 2017 implies the receipt and use of social support, which is issued for the birth of a second child. A family certificate is issued by the Pension Fund of Russia in accordance with the Federal Law. The parent of the baby has the right to receive the capital.
On the financial market there are a lot of offers that allow you to sell the certificate as a down payment. Banks working with maternity capital up to 3 years:
Regulates transfer Money the federal law on additional social support for citizens. The Federal Law speaks of the use of funds from maternity capital for the intended purpose. The transfer is available after the birth of the child and the receipt of the certificate, without waiting for the age of three years.
The current legislation obliges the Pension Fund to consider the application from the applicant within 10 days, and then send a notification with a decision.
Transfer upon satisfaction of requirements occurs within a month. Previously, this period was set at three months.
A bank loan for maternity capital is an opportunity to purchase real estate with government support without postponing the down payment. It is better to invest money in such an unstable time in property. So you can save money from inflation.
Credit institutions give loans after providing a certain package of documents:
You can always pay off the loan ahead of schedule without paying penalties. You can use maternity capital in the following ways:
It's easy to find out about it. You can even without leaving your home. It is enough to go to the portal of the State Services or the Pension Fund, fill in the necessary information.
Then go to the service request tab and view the status of the application. As soon as the funds are transferred, the status will change to completed.
Funds from the Pension Fund are transferred according to the law within a period not exceeding a month after receiving notification of satisfaction of requirements.
The application for the transfer of funds is considered for another 10 days.
Yes, this issue is currently being discussed in the government. But in fact, it will not be accepted. After all, if interest is charged on the amount of the balance, then this additional income which citizens can spend on their own needs.
But the state will not be able to track the purposefulness of these funds. Perhaps the law will not be adopted due to lack of sufficient funding. After all, more than 4 million families have not yet decided on the purpose of the state benefit.
It is impossible to cash out maternity capital. In 2017, such an opportunity became available, but in an amount not exceeding 25,000 rubles.
Large amounts cannot be cashed out legally. There are also fraudulent schemes, but criminal liability can come for them.
Currently cashing out:
The banking institution does not receive funds from this budget. Payment of commissions and other expenditure transactions produced from funds federal budget and reimbursed by the Central Bank.
Every family that is eligible for government assistance has a choice best option financial institution. The information in this article is intended to facilitate it to some extent. First of all, it is worth listing banks that work with maternity capital.
This list includes:
Bank DeltaCredit- the smallest down payment - 5%. As part of the "Lending with maternity (family) capital" program, you can use a mortgage loan to purchase a home. State aid is directed to partial early repayment loan.
Loan amount, taking into account family capital should not be more than the maximum possible loan amount provided by the bank.
Bank "Unicredit"- maternity capital can be used as part of your own funds when obtaining a loan for the purchase of housing in the secondary market in accordance with the program "Credit for the purchase of an apartment or cottage". The certificate for maternity capital allows you to increase the amount of the loan issued by the amount of maternity capital, provided that state aid will be used to repay the loan after registering the ownership of the collateral.
Sberbank Back in 2012, he worked exclusively with secondary housing. Since 2013, there is the right to connect new buildings. In addition, maternity capital can be used as a down payment for the purchase of an apartment, and not only to repay existing loans.
Bank of Moscow- there is a program "Mortgage + maternity capital". Maternity capital can be used when buying a finished or under construction housing
VTB 24- maternity capital in it can be used to fully cover the down payment on the mortgage or to reduce the amount of the contribution, or to partially pay off the debt on the mortgage.
The following conditions are required:
Bank opening"- the interest rate on the loan depends on the term of the loan and the size of the entry fee. The Maternity Capital program in this bank is a pledge of loans partially repaid by maternity capital and issued at a rate of up to 11.75% per annum.
Before applying to banks where a mortgage is issued for maternity capital, it is necessary to obtain an appropriate certificate for the provision of this type of state assistance. The organization that issues it is the Pension Fund of the Russian Federation. The mother and child for whom the capital is issued must be citizens of the Russian Federation.
Mandatory package of documents:
Copies will be made of all submitted documents in the Pension Fund and the application will be considered within a month. If copies are sent (for example, by mail), they must be certified by a notary.
In the case of adoption, an adoption decision is required.
All originals remain with the owner, the Pension Fund only needs copies.
The bank offers:
DeltaCredit provides mortgage loans in its own representative offices and in the network of partner banks.
| Year | Amount of Parent Capital | Difference from previous year | MC growth percentage |
|---|---|---|---|
| 2007 | 250000 | - | - |
| 2008 | 276250 | +26250 | 10.5 |
| 2009 | 312152 | +35902 | 12.99 |
| 2010 | 343378 | +31226 | 10.00 |
| 2011 | 365698 | +22320 | 6.5 |
| 2012 | 387640 | +21942 | 6.0 |
| 2013 | 408960 | +21360 | 5.5 |
What loan amount can I expect?
The Bank always approves the maximum amount that can be disbursed to the borrower and co-borrowers indicated in the questionnaire. However, the loan amount cannot exceed 85% of the value of the property you have chosen.
I was denied a loan. Why? What to do?
The bank does not explain the reasons for the refusal, as this would lead to the disclosure of the borrower evaluation system, which is a trade secret. There are potentially about twenty parameters of the borrower and co-borrowers that this system can rely on.
If the bank has refused you, you can apply for a loan again after the period specified in the accompanying text of the refusal. In some cases, you can reapply right away.
How to increase the chances of obtaining a mortgage with a small official salary?
For example, you can apply for a loan with a certificate in the form of a bank instead of a 2-NDFL certificate. An income statement in the form of a bank is an alternative document that is accepted by the bank as proof of the borrower's income, but in which additional earnings can be taken into account.
I am an aged person, will they give me a mortgage?
You can take out a mortgage for up to the age of 75. For example, if you are 65 years old, you can take out a mortgage for 10 years.
If I receive a salary on a Sberbank card?
Salary customers of Sberbank, depending on other lending conditions, may receive additional benefits. At the same time, the benefits are available if any of the co-borrowers is a payroll client.
· If in the last two months you have had at least one salary transfer to a Sberbank card or account, you can get a discount on the rate.
· If you had salary credits to the card (account) of Sberbank for at least 4 months out of the last 6 months, you do not need to additionally upload an income statement and a copy of the work book.
How can I find out the overpayment on my future loan?
You can see the amount of the overpayment by registering with personal account . After registration, click on the calculation panel and you will see the overpayment diagram in the calculator.
Is it profitable to buy a borrower's life and health insurance policy?
Life and health insurance in the insurance company LLC IC Sberbank Life Insurance or other companies accredited by Sberbank allows you to reduce the loan rate by 1%.
Considering the purchase of the policy, you will actually save about 0.5 percentage points on the rate. In addition to saving on the rate, the policy fulfills its immediate task - the insurance company will pay the bank the balance of the debt on your mortgage loan upon the onset insured event(disability or death).
I am a citizen of another country, can I get a mortgage?
Mortgages in Sberbank are issued only to citizens of Russia.
Who can be a co-borrower?
Most often, co-borrowers are relatives of the main borrower - spouse, parents, children, brothers and sisters. In total, you can attract up to 6 co-borrowers. If you are married, your spouse must be a mandatory co-borrower. Exceptions are possible if a marriage contract has been concluded between the spouses.
For example, to increase your chances of receiving a larger amount upon approval, you can involve co-borrowers - participants salary projects. Also, when applying for a loan, you can note that you do not want to take into account the solvency of the co-borrower. This will reduce the list of required documents, but may reduce the maximum approved amount.How to use maternity capital in favor of a mortgage?
You can use maternity capital funds in whole or in part as a down payment when obtaining a mortgage. You can use only maternity capital or the sum of maternity capital and own funds. By minimum size We recommend using the DomClick calculator for the down payment.
When using maternity capital funds, it is important to agree with the seller on the procedure and deadline for receiving maternity capital funds, since this amount is transferred from Pension Fund not right away.
Also, maternity capital funds can be used for early repayment of an existing loan.What are the additional costs associated with obtaining a mortgage?
Depending on the type of property and the selected set of services, when applying for a loan, you will need to pay:
· Evaluation report – from 2,000₽ depending on the region and appraisal company (required for valuation of the collateral object);
· Insurance of the collateral object (for the purchased apartment) - directly depends on the size of the loan;
· Life and health insurance of the borrower (not mandatory, but reduces the loan rate) - directly depends on the size of the loan;
· State duty for registering a transaction in Rosreestr - 2,000₽ at independent registration or 1 400 ₽ for electronic registration istrations (is additional service and paid separately)
· leases safe deposit box and payment for access to it (when buying secondary housing for cash) or payment for a secure payment service - from 2,000₽ .
The cost of services is approximate. Check the exact cost on the websites of the respective services.
Which is better: new building or resale?
As a rule, an apartment or apartments in a new building are bought directly from the developer, while a resale property is purchased from the previous owner.
Nobody lived in the new building before you, the price is for square meter smaller than an apartment of the same class in the secondary housing, there are promotions from developers, more modern layouts, however, you will not be able to quickly register at the place of residence, the elevator and gas will not be turned on until the majority of residents move in, most likely, you will have to wait for infrastructure development and completion of repairs at the neighbors.
As a rule, you can enter the secondary housing and register immediately after the purchase, the infrastructure around is already developed, however, most likely you will have to be content with a typical layout, worn-out communications, and you will need to check the legal purity of the property and the participants in the transaction.
What is the processing time for a loan application?
Consideration of the application does not exceed two days, but most clients receive approval on the day of application.
How is the process of obtaining a mortgage in Sberbank through DomClick?
Depending on the type of property and other parameters, the process of obtaining a mortgage may differ.
However, the first step is the same for everyone - applying for a loan. To apply, calculate the loan on the DomClick calculator, register on the site, fill out the form and attach Required documents. Consideration of the application does not exceed two days, but most clients receive approval on the day of application.
If you have not yet chosen a property, you can start doing it immediately after receiving approval from the bank, when you know the maximum loan amount for you.
When the property is selected, upload the necessary documents in the DomClick office.
Within 3-5 days you will be informed about the approval of the property you have chosen. You can choose a convenient date for the transaction, which is carried out at the Sberbank Mortgage Lending Center.
The last stage is the registration of the transaction in Rosreestr. Congratulations, you're all set!
Why register on DomClick?
After registration, you will have access to the help of a consultant in the chat and the borrower's questionnaire. Registration allows you to save your data so that you can return to filling out the application at any time. After receiving approval for a loan in the personal account of the borrower, you will be able to communicate with your manager, send documents to the bank online and receive the services necessary to obtain a mortgage.
How do I find out the decision of the bank?
Immediately after consideration of your application, you will receive an SMS with the decision of the bank. A bank employee will also call you.
