Documents and conditions for the repayment of a mortgage by maternity capital. Mortgage under maternity capital Maternity capital documents to cover the mortgage

Sberbank mortgage with maternity capital as a down payment - repayment of a housing loan with mat capital

A mortgage under maternity capital in 2018 from Sberbank, the calculator of which can be easily found on the bank's website, is an attractive solution. Already many people have been able to appreciate its benefits. In our article, we will consider all the nuances of this program.

Mat capital is one of the forms of state support for families. It is provided after the birth of a second child and can be used for various purposes, including to improve housing conditions.

With it, you can expand an existing apartment or take a loan to purchase a new one. The second option is quite popular and many customers have already used it.

Who can count on mat capital? This is a woman who has given birth to a second child. You need to contact the Pension Fund and go through the registration process. The amount is transferred to a special account with the FIU and will be kept there until it is used.

Getting a home loan is only one of the ways to use mat capital, but it is very popular in this moment. One of better conditions Sberbank will be able to offer such programs. So let's look at them together.

Sberbank mortgage terms for maternity capital

How to pay off a mortgage with maternity capital in Sberbank? To do this, it is enough to conclude an agreement with the bank, and then apply to the FIU with a corresponding application.

What conditions are offered now? The parameters are as follows:

• The rate is from 7.4%.
• The loan amount is up to 30 million rubles.
• The term is up to thirty years.
• Initial payment - not less than 15 percent.

The first installment may be more than the specified parameter. The client independently determines its size. But keep in mind that a financial institution does not issue mortgage loans less than 300 thousand rubles.

The conditions are quite good. This program offers low rates for customers. You have a chance to save on interest and buy your own home with a small overpayment.

Important! The maximum loan amount is determined individually. When calculating it, experts take into account the following parameters:

1. The number of co-borrowers in the future contract.
2. their total income.
3. The ability of clients to fulfill their obligations.

According to internal algorithms, employees calculate the loan burden. If it exceeds a certain parameter, then the loan will be denied. Therefore, evaluate your financial opportunities when contacting the organization.

Advantages and disadvantages of this type of lending

Using maternity capital as a down payment in Sberbank on a mortgage has a number of advantages:

• Attractive interest rate.
• You can pay off the entire down payment or part of it.
• It will not take long to collect the required amount in order to transfer it to the bank after registration.
• It is possible to improve living conditions right now.
• There are preferential rates for programs for young families.
• You will appreciate the excellent conditions.
• There are no additional fees.
• There are special conditions for payroll clients.
• Individual approach to the consideration of the received request.
• You can attract co-borrowers to increase the maximum loan amount.

Flaws:

• You will have to spend a little more time on the design.
• Additionally, visit the FIU.
• Any mortgage loan involves an overpayment.
• You will have to repay the loan received over a long period of time.

If you decide to take out a loan to buy an apartment, then you will have to overpay for it. But often, customers simply have no other choice. Upon receipt, familiarize yourself with the repayment procedure, request a calculation of future payments.

How to get a mortgage with maternity capital?

Do you want to take a loan for an apartment using maternity capital? To apply for a home loan, you need:

1. Provide the office with a package of documents, write an application.
2. Wait for the application to be reviewed and a decision made.
3. If you received a positive response, then you need to select an object for purchase.
4. Send documents on it to the bank.
5. Sign an agreement with the institution.
6. Register ownership of the object.
7. After that, Sberbank provides a mortgage with maternity capital as a down payment.

If you study this diagram, the process seems simple. In fact, it will take you some time. You will have to collect documents, wait for their consideration, sign contracts.

When you go through all the stages, you will be able to use mat capital and celebrate a housewarming party. But remember that the decision is made individually, and the bank may refuse the client after reviewing the documents.

papers

What documents are required to submit to the institution:

• The passport.
• Second personal document.
• Bank statement of income.
• Registration documents at the place of residence.
• Questionnaire.
• Housing documents.
• Information from the FIU.
• Capital certificate.

Young families additionally need to provide a certificate of marriage and the birth of a child. All papers are transferred to the employees of the financial institution and are carefully considered.

How to deposit maternity capital into a mortgage?

How to get a mortgage under maternity capital in Sberbank? After the conclusion of the agreement, you need to come to the FIU within six months. You need:

1. Submit a contract.
2. Write an application for the transfer of funds to the bank.
3. Specialists will consider the request and transfer the money to the account of the institution.

This is a simple instruction on how to repay a housing loan with maternity capital. Funds must be transferred by the FIU staff within a short time.

Mortgage refinancing with maternity capital

After using the mother capital, further refinancing causes big problems. If you decide to invest it in a loan, then banks may refuse to refinance.

Refinancing is possible in the case when the children are not endowed with property. If they have shares, then the institutions are more likely to refuse the submitted application.

Therefore, before investing mother capital, carefully analyze the proposed conditions. Carefully study all the options to make the right decision.

If refinancing is possible, children do not have a share in the apartment, then the procedure can be performed according to the following scheme:

• Contact other banks, ask them to offer you conditions.
• Collect responses from institutions. Provide them to your financial institution, ask them to lower the rate.
• If your bank refused to change the terms, then enter into an agreement with another institution.
• After completing the procedure, the new bank will pay the balance of the loan, you will become its client.

Important! Refinancing is a rather expensive procedure. To collect documents and go through all the stages, you will need to spend a certain amount. Therefore, before making a decision, one should calculate the real benefit from moving to another institution.

Sberbank mortgage calculator with maternity capital 2018

The article examined the conditions in 2018 for a mortgage with maternity capital, while the Sberbank calculator will help you make the calculations. You do not need to know special algorithms and formulas to cope with this procedure. It is enough to use a convenient tool from a financial institution.

How to work with the calculator?

1. Go to the bank's page http://www.sberbank.ru/ru/person/credits/home/mot.
2. Enter the loan amount on the form.
3. Choose the size of the initial payment.
4. Determine the duration of the return.
5. Click on additional items in the form.

The client is provided with a list of basic data, including the loan amount, interest rate, monthly payment amount. The calculator works using special algorithms that are introduced by specialists when setting it up.

Important! The data provided is preliminary. You can find out the specific parameters already when applying for a housing loan. The specialist will perform the calculation and provide the information of interest for review.

What are the benefits of a calculator?

• It is easy to use.
• You can perform the calculation in the absence of special knowledge.
• The whole procedure takes a minimum of time.
• It works stably and perfectly copes with its tasks.
• The calculation accuracy is high. But do not forget that the data is provided for informational purposes only and is not a public offer.
• Specialists update the algorithms in a timely manner, taking into account changes in loan parameters.

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

In the general case, under Russian law, a mortgage means pledge of real estate(apartment, house, room or share in property), which is received by a financial institution (mortgagor) until the moment of full settlement of the issued credit funds.

That is, the borrower

• takes a home loan or a targeted mortgage loan;
• the bank receives housing purchased or under construction as collateral until the debt and interest on the loan are fully repaid;
• for the possibility of full disposal of real estate, the final ownership is issued after the pledge is removed from the living space (that is, after the full payment of borrowed funds, interest, commissions and penalties for delays).

At the legal level, mortgages are regulated by Federal Law No. 102-FZ of July 16, 1998 “ About mortgage (mortgage of real estate)". Not only housing, but also a land plot, an enterprise or other property can be provided as collateral.

A mortgage loan for maternity capital usually involves an apartment as collateral. Financial institutions are not as willing to lend to building or buying a house as they are to lending square meters in apartment buildings.

• extract from the USRN on ownership for the acquired object (if an already completed apartment was bought or the construction of housing for which a loan was issued was completed);
• contract for participation in shared construction(if the owner of the certificate or his spouse purchases an apartment in an apartment building under construction);
• housing association certificate(if the loan was issued to make an initial or share contribution to a residential complex, housing cooperative or housing cooperative);
• permission to build a private house(if the bank has agreed to issue a loan for such a case, and the house has not yet been put into operation).

Maternity capital for the down payment

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

Legislatively, the ability to direct funds to appeared after the entry into force of:

• Federal Law No. 131-FZ dated 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 dated 09.09.2015 on amendments to the "Rules for the allocation of maternity capital funds to improve housing conditions."

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

Conclusion

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

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

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

Taking into account the statistics for 2015-2016, the most popular option for using maternity (family) capital is recognized improvement of living conditions. According to Rosstat, most of the purchase and construction of new housing is occupied by transactions that involve borrowed funds - mortgages using maternity capital.

At the time of writing, the maternity capital has been extended until December 31, 2018 and is 453"026 rub. from January 1, 2017. Now funds can be spent without waiting for a 3-year-old child.

Consider the main and most important intended use of the certificate - payment of a mortgage by maternity capital.

How to pay a mortgage with maternity capital in 2017 and 2018?

Mortgages using maternity capital as a down payment are often not so profitable, and few banks are willing to accept a certificate instead of 10-20% of cash, confirming the financial solvency and serious intentions of the borrower. Calculate before investing maternity capital in a mortgage as a down payment - is it profitable if the bank's rate rises by 2%? Will it not turn out that the certificate simply “melts” as a percentage?

Much it is better to send the certificate to. Thus, the entire amount will be used.

How to spend maternity capital on a mortgage (down payment)?

It is important to understand the sequence of steps in order to properly manage the time spent on the process of using the certificate.

First of all, you get the certificate itself in paper form. Next - draw up a loan at the bank, indicating 450,000 rubles as a starting payment. It is important that you have not used part of the amount before. Previously, you need to take a certificate from the pension fund about the amount of the balance on the certificate.

The bank provides a loan consisting of two parts - 450,000 and the remaining amount (in fact, lends for the full cost of the apartment). The first part must be repaid at the expense of the certificate, its interest rate is equal to the key rate. Interest drips until the Pension Fund of the Russian Federation transfers the specified amount in the certificate from the fund. The second part of the loan is calculated at a different percentage - depending on the chosen program and the decision of the bank.

Mortgage capital Pension Fund can transfer only after the property is legally registered, which is why this trick was invented with dividing the loan into two parts. After the maternity capital has gone to repay the mortgage loan, the first part is automatically closed, and the accrual of interest on it stops.

Now that you understand the principle of granting a loan and understand technically how to use maternity capital to pay off a mortgage, we can talk about specific actions

Sequence of actions: how to pay off a mortgage with maternity capital for a down payment:

• Check with the selected bank (usually Sberbank, VTB24, Rosselkhozbank, etc.) - whether it is possible to repay the mortgage with maternity capital as an entry fee.
• Make out a mortgage loan, real estate documents.
• You go to the pension fund or the MFC (PFR Department) with the following set:

1. passport of husband and wife + copies of the main page, registration and marital status
2. marriage certificate + copy
3. SNILS + copy
4. maternal (family) certificate + copy
5. mortgage loan agreement + copy
6. a certificate from the bank on the amount of debt with the account number where to transfer funds
7. contract of sale
8. certificate of registration of ownership + copy. From 2017 extract from the USRN
9. a notarized obligation to issue shares to children in this apartment.
10. If the apartment was bought in equity, then additionally: an agreement on shared construction, an agreement on the assignment of the right to claim, an act of acceptance of the transfer + copies.

• The next month is given to the pension fund to think about whether to give you money to pay off the mortgage with maternity capital? The list of documents is studied for authenticity and correctness of registration, after which funds are transferred to the bank within 2 months. It turns out that for these 3 months you will pay from above about 13 thousand rubles.
• Having received maternity money, the bank notifies the borrower, who will need to write an application for partial early repayment at the expense of the funds received.
• Having paid off the loan and removed the encumbrance from the apartment, do not forget to fulfill the promise given against receipt - to issue shared ownership for all family members.

How to transfer maternity capital to a mortgage to pay off part of the debt?

The process is generally identical to the first case, except for the way the loan is granted: there is no longer a division into parts. Hence, there is no extra overpayment of interest.

Collected and served with statement of disposal to the FIU or MFC for consideration.

You follow the same procedure for repaying the mortgage with maternity capital, but after receiving the transfer, the bank offers you alternative options:

• To issue a partial early repayment of the principal amount of the debt at the expense of the money received;
• Reduce the term of the loan;
• Send money to pay off interest, thereby reducing the monthly payment.

The most optimal is partial-early with recalculation of the loan term - you not only pay off the debt, but also save on interest.

If the mortgage was issued a long time ago, and the amount remains small, you can send funds to fully repay the maternity capital of the apartment in the mortgage. For example, until 2016, maternity capital without a mortgage was not allowed to be used until the child’s 3rd birthday, and many were waiting for this moment, forced to pay extra interest to the bank. Now that the mortgage and mat. capital made friends more tightly, you can save 3 years of interest payments to the credit institution. And this (by 475 thousand) is about 150-200 thousand.

Summing up, we can conclude: how to close a mortgage with maternity capital is most profitable: send it to repay the principal debt (not interest, not a down payment!) With a decrease in the loan term immediately after receiving the certificate. Then, the amount of lost profit will be equal to 0.

GOVERNMENT OF THE MOSCOW REGION

RESOLUTION

ON THE APPROVAL OF THE PROCEDURE FOR THE DISPOSAL OF FUNDS OF THE REGIONAL

MATERNITY (FAMILY) CAPITAL FOR IMPROVEMENT

HOUSING CONDITIONS

In accordance with the Law of the Moscow Region N 1/2006-OZ "On measures of social support for families and children in the Moscow Region", the Government of the Moscow Region decides:

1. Approve the attached Procedure for the disposal of regional maternity (family) capital funds for the improvement of living conditions.

2. The Ministry of Press and Information of the Moscow Region shall ensure the official publication of this resolution in the newspaper "Daily News. Podmoskovye".

3. To impose control over the implementation of this resolution on the First Deputy Chairman of the Government of the Moscow Region O.S. Zabralova.

(Clause 3 as amended by the Decree of the Government of the Moscow Region of December 12, 2017 N 1032/45)

Governor of the Moscow Region

B.V. Gromov

Approved

Government Decree

Moscow region

ORDER

MANAGEMENT OF FUNDS OF THE REGIONAL MATERIAL

(FAMILY) CAPITAL FOR IMPROVED HOUSING CONDITIONS

(as amended by the decrees of the Government of the Moscow Region

dated 18.07.2014 N 557/27, dated 12.12.2017 N 1032/45)

1. This Procedure establishes the rules for filing an application for the disposal of funds (part of the funds) of regional maternity (family) capital for the improvement of living conditions, a list of documents required for consideration of the application, as well as the procedure and terms for transferring these funds.

2. An application for the disposal of funds (part of the funds) of the regional maternity (family) capital (hereinafter referred to as the application for the disposal of funds) is sent to the territorial structural unit of the Ministry social development Moscow region (hereinafter - the territorial structural unit) or a multifunctional center for the provision of state and municipal services at the place of residence of the person who received a certificate for regional maternity (family) capital (hereinafter referred to as the applicant).

3. The application for the disposal of funds indicates the type of expenses for which the funds (part of the funds) of the regional maternity (family) capital are directed to improve housing conditions (hereinafter referred to as the funds (part of the funds) of the maternity capital), as well as the amount of these funds. In the case of directing funds (part of the funds) of maternity capital for the acquisition, construction of residential premises, as well as for the construction or reconstruction of an individual housing construction facility without the involvement of a construction organization, carried out by the applicant's spouse, such a circumstance is indicated in the application.

4. An application for the disposal of funds shall be submitted in writing with the following documents:

a) a certificate for regional maternity (family) capital (hereinafter referred to as the certificate);

b) a passport or other main document proving the identity of the applicant in accordance with the law Russian Federation;

c) marriage certificate of the applicant - if the spouse of the applicant (hereinafter referred to as the spouse) is the party to the transaction or obligations to purchase or build housing, or if the construction or reconstruction of an individual housing construction object is carried out by the spouse;

d) a passport or other main document proving the identity of the spouse - if the spouse is a party to the transaction or obligations to purchase (construct) a dwelling, or the construction, reconstruction of an individual housing construction object is (was) carried out by the spouse;

e) a document confirming the place of residence in the Moscow region of the child, in connection with the birth (adoption) of which the right to receive regional maternity (family) capital arose, at the time of the applicant's application.

(signature "e" was introduced by the Decree of the Government of the Moscow Region of December 12, 2017 N 1032/45)

5. If, in accordance with paragraphs 4, 7-9, 11-17 of this Procedure, copies of documents are attached to the application for disposal of funds, and the accuracy of these copies is not certified in accordance with the procedure established by the legislation of the Russian Federation, their originals are simultaneously submitted.

If the applicant (legal representative) does not have copies of the submitted documents, their preparation is provided by a specialist of a territorial structural unit or an employee of a multifunctional center for the provision of state and municipal services.

It is not allowed to require the applicant (legal representative) to submit documents that are not provided for by this procedure.

(the paragraph was introduced by the Decree of the Government of the Moscow Region of July 18, 2014 N 557/27)

6. An application for the disposal of funds and documents are submitted to a territorial structural unit or a multifunctional center for the provision of state and municipal services by the applicant personally, through a legal representative, confidant(hereinafter - the legal representative).

The application and documents can be submitted through the multifunctional center for the provision of state and municipal services.

At the discretion of the parent (legal representative), the application may be submitted electronically using information and telecommunication technologies, including the use of a single portal of state and municipal services, the State Information System of the Moscow Region "Portal of State and Municipal Services (Functions) of the Moscow Region", multifunctional centers , in the manner determined by the relevant regulatory legal acts.

(Clause 6 as amended by the Decree of the Government of the Moscow Region of July 18, 2014 N 557/27)

7. In the case of directing funds (part of the funds) of maternity capital to pay for the acquired residential premises, the applicant, along with the documents specified in paragraph 4 of this Procedure, shall submit:

a) a copy of the contract for the sale of residential premises that has passed state registration in the prescribed manner;

b) a copy of the certificate of state registration of ownership of the dwelling or an extract from the Unified State Register of Real Estate containing information on the rights of the applicant and (or) his spouse who purchases the dwelling using funds (part of the funds) of maternity capital (except for the case of conclusion contracts for the sale of residential premises with installment payment);

c) a certificate from the person expropriating the residential premises under a contract for the sale of residential premises with an installment payment, concluded with the applicant or with the spouse of the applicant, on the amount of the remaining unpaid amount under the contract - if the acquisition of residential premises is carried out under a contract for the sale of residential premises with installment payment;

d) a notarized written obligation of the person (persons) who is the buyer under the contract for the sale of residential premises, to register the residential premises in the common ownership of the applicant, his spouse, children (including the first, second and subsequent children) with the determination of the size of the shares by agreement within 6 months after the transfer of funds by the territorial structural unit to the person expropriating the residential premises, and in the case of the acquisition of residential premises under a contract for the sale of residential premises with an installment payment - within 6 months after making the last payment, which completes the payment of the cost of the residential premises in full amount, - if the residential premises are not registered in the common ownership of the applicant, his spouse, children (including the first, second and subsequent children) or the state registration of ownership of the residential premises has not been carried out.

8. In the case of directing funds (part of the funds) of maternity capital to pay the price of the agreement on participation in shared construction, the applicant, along with the documents specified in paragraph 4 of this Procedure, shall submit:

a) a copy of the agreement for participation in shared construction, which has passed state registration in the prescribed manner;

b) a document containing information on the amount contributed towards the payment of the price of the agreement on participation in shared construction and on the remaining unpaid amount under the agreement;

c) a notarized written obligation of the person (persons) that is a party to the agreement on participation in shared construction, within 6 months after signing the deed of transfer or other document on the transfer to the participant of shared construction of the object of shared construction, to issue a residential building built using funds (part of the funds) maternity capital, in the common property of the applicant, his spouse, children (including the first, second and subsequent children) with the determination of the size of the shares by agreement.

9. In the case of directing funds (part of the funds) of maternity capital to pay for the construction of an individual housing construction facility, carried out with the involvement of a construction organization, the applicant, along with the documents specified in paragraph 4 of this Procedure, shall submit:

a) a copy of the building permit issued to the applicant or his spouse;

b) a copy of the building contract;

c) a copy of a document confirming the applicant’s or his spouse’s ownership of the land plot on which the individual housing construction facility is being built, or the right to permanent (perpetual) use of such a land plot, or the right to inheritable possession of such a land plot for life, or the right to lease such land a plot, or the right to free fixed-term use of a land plot, which is intended for housing construction and on which the construction of an individual housing construction object is carried out;

d) a notarized written obligation of the person (persons) for whom the construction permit has been issued, within 6 months after the commissioning of the individual housing construction facility, to register the residential premises built using the funds (part of the funds) of the maternity capital into the common property of the applicant, his spouse, children (including the first, second and subsequent children) with the determination of the size of the shares by agreement.

10. In case of disposal of funds (part of the funds) of maternity capital for construction, reconstruction of an individual housing construction facility without the involvement of a construction organization, the funds (part of the funds) of maternity capital are directed in the following order:

a) initially in an amount not exceeding 50 percent of the amount of regional maternity (family) capital funds due to the applicant as of the date of submission of the application;

b) after 6 months from the date of the initial allocation of a part of the funds, subject to the requirements for the performance of the main work on the construction of an individual housing construction object (installation of the foundation, erection of walls and roofs) or carrying out work on the reconstruction of an individual housing construction object, as a result of which the total area of ​​​​the residential premises (residential premises) of the object being reconstructed increases by at least the accounting rate of the area of ​​​​the residential premises, established in accordance with housing law Russian Federation.

11. To send funds (part of the funds) of maternity capital in accordance with subparagraph "a" of paragraph 10 of this Procedure, the applicant, along with the documents specified in paragraph 4 of this Procedure, shall submit:

a) a copy of the document confirming the applicant’s or spouse’s ownership of the land plot on which the individual housing construction facility is being built, or the right to permanent (unlimited) use of such a land plot, or the right to lifelong inheritable possession of such a land plot, or the right to lease such a land plot , or the right of gratuitous fixed-term use of a land plot, which is intended for housing construction and on which the construction of an individual housing construction object is carried out;

b) a copy of the building permit issued to the applicant or spouse;

c) a copy of the certificate of state registration of property rights or an extract from the Unified State Register of Real Estate containing information on the rights of the applicant or spouse to an individual housing construction object - if the funds (part of the funds) of maternity capital are directed to its reconstruction;

(As amended by the Decree of the Government of the Moscow Region of December 12, 2017 N 1032/45)

d) a notarized written obligation of the person (persons) for whom the construction permit is issued, within 6 months after receiving the cadastral passport of the individual housing construction object, to issue a residential building built (reconstructed) using the funds (part of the funds) of maternity capital, into the total property of the applicant, his spouse, children (including the first, second and subsequent children) with the determination of the size of the shares by agreement;

12. To send funds (part of the funds) of maternity capital in accordance with subparagraph "b" of paragraph 10 of this Procedure, the applicant, along with the documents specified in paragraph 4 of this Procedure, shall submit:

a) a document issued by the body authorized to issue a building permit, confirming the performance of the main work on the construction of an individual housing construction object (installation of the foundation, erection of walls and roofs) or the performance of work on the reconstruction of an individual housing construction object, as a result of which the total area of ​​\u200b\u200bthe residential premises (residential premises) of the object being reconstructed increases by at least the accounting norm for the area of ​​\u200b\u200bthe residential premises established in accordance with the housing legislation of the Russian Federation;

b) a document confirming that the applicant has a bank account, indicating the details of this account.

13. In the case of directing funds (part of the funds) of maternity capital to compensate for the costs incurred for the construction of an individual housing construction object, the ownership of which arose not earlier than 01/01/2011, or for the reconstruction of an individual housing construction object carried out after 01/01/2011, regardless from the date of the emergence of the right of ownership to an object of individual housing construction that has undergone reconstruction, carried out by the applicant or spouse, subject to the requirements provided for in paragraph 10 of this Procedure, the applicant, along with the documents specified in paragraph 4 of this Procedure, shall submit:

a) a copy of a document confirming the applicant’s or his spouse’s ownership of the land plot on which the individual housing construction facility is being built, or the right to permanent (perpetual) use of such a land plot, or the right to life-long inheritable possession of such a land plot, or the right to lease such land a plot, or the right to free fixed-term use of a land plot, which is intended for housing construction and on which the construction of an individual housing construction object is carried out;

b) a copy of the certificate of state registration of ownership of the individual housing construction object, which arose not earlier than 01/01/2011, or a copy of the certificate of state registration of ownership of the individual housing construction object reconstructed after 01/01/2011, regardless of the date of occurrence of ownership of the individual housing construction object construction that has undergone reconstruction, or an extract from the Unified State Register of Real Estate containing information on the rights to these real estate objects;

(As amended by the Decree of the Government of the Moscow Region of December 12, 2017 N 1032/45)

d) a notarized written obligation of the person (persons) in whose ownership the individual housing construction object is located, to register the specified object in the common ownership of the applicant, his spouse, children (including the first, second and subsequent ones) with the determination of the size of the shares by agreement within 6 months after the transfer by the territorial structural unit of funds (part of the funds) of maternity capital - if the individual housing construction object is not registered in the common ownership of the applicant, his spouse, children (including the first, second and subsequent children);

e) a document confirming that the applicant has a bank account, indicating the details of this account.

14. If the applicant or his spouse is a member of a housing, housing construction, housing savings cooperative (hereinafter referred to as the cooperative), the funds (part of the funds) of maternity capital can be directed by the applicant as a payment towards the entry fee and (or) share contribution. The applicant, along with the documents specified in paragraph 4 of this Procedure, submits:

a) an extract from the register of members of the cooperative, confirming the membership in the cooperative of the applicant or his spouse (a document confirming that the citizen has submitted an application for admission to membership in a housing savings cooperative, or a decision on admission to membership in a housing, housing and construction cooperative);

b) a certificate of the amount of the share contribution paid for the dwelling and the remaining unpaid amount of the share contribution necessary to acquire ownership of the dwelling (for members of the cooperative);

c) a copy of the charter of the cooperative;

d) a notarized written obligation of a person who is a member of a cooperative, within 6 months after making the last payment, completing the payment of a share contribution in full, to register a residential building built using funds (part of the funds) of maternity capital into the common property of the applicant, his spouse , children (including the first, second and subsequent children) with the determination of the size of the shares by agreement.

15. In the case of directing funds (part of the funds) of maternity capital for the payment of an initial contribution when obtaining a loan (loan), including a mortgage, for the purchase or construction of housing, the applicant, along with the documents specified in paragraph 4 and subparagraphs "a" and "b " of paragraph 7, or paragraph 4 and subparagraphs "a" and "b" of paragraph 8, or paragraph 4 and subparagraphs "a" and "b" of paragraph 9 of this Procedure, represents:

a) a copy of the loan agreement (loan agreement) for the purchase or construction of housing;

b) a copy of the mortgage agreement that has passed the state registration in accordance with the established procedure, if the loan agreement (loan agreement) provides for its conclusion;

c) a notarized written obligation of a person who is a debtor under a loan agreement (loan agreement) to register the residential premises purchased or built using the funds (part of the funds) of maternity capital into the common property of the applicant, his spouse, children (including the first, second and subsequent) with the determination of the size of the shares by agreement within 6 months:

after the commissioning of an individual housing construction object (in the absence of an encumbrance) - in the case of individual housing construction;

16. In the case of directing funds (part of the funds) of maternity capital to repay the principal debt and pay interest on a loan (loan), including a mortgage, for the purchase or construction of housing, or on a loan (loan), including a mortgage, to repay earlier granted credit (loan) for the purchase or construction of housing (with the exception of fines, commissions, penalties for delay in fulfilling obligations under the specified credit (loan), the applicant, along with the documents specified in paragraph 4 of this Procedure, submits:

a) a copy of the loan agreement (loan agreement). When directing funds (part of funds) of maternity capital to repay the principal debt and pay interest on a loan (loan), including mortgage, to repay a previously granted credit (loan) for the purchase or construction of housing, an additional copy of the previously concluded loan agreement (loan agreement) is submitted ) for the purchase or construction of housing;

b) a certificate from the creditor (lender) on the amount of the balance of the principal debt and the balance of the debt on the payment of interest for the use of the credit (loan). If the right (claim) belonging on the basis of an obligation to the creditor is transferred by him to another person (assignment of the right to claim, transfer of rights to a mortgage) in the procedure for transferring rights under loan agreements secured by a mortgage, established by Articles 47 and 49 of the Federal Law "On Mortgage ( real estate pledge)", or transferred to another person on the basis of the law, the certificate shall contain information about the name and location of the creditor to whom the rights under the loan agreement (loan agreement) belong on the date of the certificate. If a certificate is submitted on behalf of the creditor by a third party acting on the basis of a power of attorney, a copy of the creditor's power of attorney is submitted to the third party;

c) a copy of the mortgage agreement that has passed the state registration in accordance with the established procedure, if the loan agreement (loan agreement) provides for its conclusion;

d) a copy of the certificate of state registration of ownership of the residential premises of the applicant and (or) his spouse, acquired or built using credit (borrowed) funds, or an extract from the Unified State Register of Real Estate containing information on the rights to the specified residential premises, - in in the case of the acquisition of residential premises, as well as in the case of commissioning of a residential construction facility;

(As amended by the Decree of the Government of the Moscow Region of December 12, 2017 N 1032/45)

e) a copy of the agreement for participation in shared construction, which has passed state registration in the prescribed manner, or a copy of the permit for the construction of an individual residential building, if the housing construction facility has not been put into operation;

f) an extract from the register of members of the cooperative confirming the membership of the applicant or spouse in the cooperative (a document confirming that the citizen has submitted an application for admission to membership in a housing savings cooperative, or a decision on admission to membership in a housing, housing construction cooperative), if the credit (loan ) submitted for payment of an entrance fee and (or) a share contribution to a cooperative;

g) if the residential premises are not registered in the common ownership of the applicant, his spouse, children (including the first, second, third child and subsequent children) and other family members living with them or the state registration of ownership of the residential premises has not been carried out - a notarized written obligation of the person (persons) in whose ownership the residential premises are registered, acquired using the funds (part of the funds) of maternity capital, or who is a party to the transaction or obligations to purchase or build residential premises, to register the specified residential premises in the common property of the applicant, his spouse, children (including the first, second, third child and subsequent children) with the determination of the size of the shares by agreement within 6 months:

after the removal of the encumbrance from the dwelling - in the case of the acquisition or construction of a dwelling using a mortgage loan (loan);

after the commissioning of a housing construction facility (in the absence of an encumbrance) - in the case of individual housing construction or participation in shared construction;

after the applicant or his spouse makes the last payment, which completes the payment of the share contribution in full, in case of participation in a cooperative;

after the transfer by the territorial structural subdivision of the funds of the regional maternity (family) capital (in the absence of encumbrance and when the housing construction object is put into operation) - in other cases.

17. In case of applying to a territorial structural subdivision or a multifunctional center for the provision of state and municipal services by a legal representative, along with the documents specified in paragraph 4 of this Procedure, the following shall be submitted:

a) a passport or other document proving the identity of the legal representative in accordance with the legislation of the Russian Federation;

b) documents confirming the authority of the legal representative to act on behalf of the applicant;

c) documents confirming the consent of the applicant or the legal representative of the child to the processing of personal data;

d) permission of the guardianship and guardianship authority to dispose of the funds (part of the funds) of the maternity capital - in the case of an application for the disposal of the legal representative(s) of the child (children).

18. In the event of an application to a territorial structural unit or a multifunctional center for the provision of state and municipal services by a minor child who has acquired legal capacity in full, simultaneously with the documents specified in paragraph 4 of this Procedure, documents confirming the acquisition minor child(children) legal capacity in full until reaching the age of majority (marriage certificate, decision of the guardianship and guardianship authority, court decision declaring a minor fully capable).

(As amended by the Decree of the Government of the Moscow Region of July 18, 2014 N 557/27)

19. If the applicant, when submitting an application for the disposal of funds, did not submit, on his own initiative, the documents specified in subparagraph "e" of paragraph 4, subparagraph "b" of paragraph 7, subparagraphs "a", "c" of paragraph 9, subparagraphs "a" - "c" of paragraph 11, subparagraph "a" of paragraph 12, subparagraphs "a", "b" of paragraph 13, subparagraph "d" of paragraph 16, a territorial structural unit or a multifunctional center for the provision of state and municipal services requests these documents (contained in them information) in the bodies providing state and municipal services, in other bodies or bodies of local self-government and organizations subordinate to them that participate in the provision of state and municipal services and at whose disposal such documents (the information contained in them) must be in accordance with regulatory legal acts of the Russian Federation, regulatory legal acts of the subjects of the Russian Federation and municipal legal acts.

(as amended by the Decrees of the Government of the Moscow Region of July 18, 2014 N 557/27, of December 12, 2017 N 1032/45)

20. The head of the territorial structural unit no later than 45 working days from the date of receipt of the application for the disposal of funds and the documents specified in clause 4 or in clause 4 and clause 17, as well as the documents specified in clause 7, or clause 8, or clause 9, or paragraph 11, or paragraph 12, or paragraph 13, or paragraph 14, or paragraph 15, or paragraph 16 of this Procedure, decides whether to satisfy the application for disposal of funds or to refuse to satisfy it.

A notification of satisfaction or refusal to satisfy an application for disposal of funds is sent to the applicant by a territorial structural unit or a multifunctional center for the provision of state and municipal services at the applicant's place of residence no later than 5 working days after the decision is made.

(As amended by the Decree of the Government of the Moscow Region of July 18, 2014 N 557/27)

In case of refusal to satisfy the application for the disposal of funds, the corresponding notice shall set out the grounds on which the territorial structural unit made such a decision.

The decision to refuse to satisfy the application for the disposal of funds may be appealed to a higher authority or to the court.

21. An application for the disposal of funds may be refused in the following cases:

a) termination of the applicant's right to receive maternity capital on the grounds established by the legislation of the Moscow Region;

b) violations established order filing an application for the disposal of funds, including the submission of an incomplete set of documents provided for by this Procedure;

(As amended by the Decree of the Government of the Moscow Region of December 12, 2017 N 1032/45)

c) indications in the application for the disposal of funds of the direction of the use of funds (part of the funds) of maternity capital, which is not provided for by the legislation of the Moscow Region;

d) indications in the application for the disposal of funds of the amount (its part in the aggregate) exceeding the total amount of maternity capital funds, which the applicant is entitled to dispose of;

e) deprivation of parental rights (restriction in parental rights, cancellation of adoption) of the applicant in relation to the child, in connection with the birth (adoption) of which the right to receive maternity capital arose, on the date of the decision on the application for the disposal of funds submitted by the applicant (before the date of adoption decisions to cancel the deprivation (restriction) of parental rights in the prescribed manner);

f) deprivation of parental rights (restrictions in parental rights, cancellation of adoption) of the applicant in relation to the child (children) that were taken into account when the right to maternity capital arose, if the number of children left in the upbringing in the family is less than two, as of the date of the decision on an application for the disposal of funds submitted by the applicant (before the date of the decision to cancel the restriction (deprivation) of parental rights in the prescribed manner);

g) the removal of a child, in connection with the birth of which the right to receive maternity capital arose, in the manner prescribed by the Family Code of the Russian Federation (for the period of removal of the child);

h) disposal of funds (part of the funds) of maternity capital earlier;

i) the location of the residential premises acquired using the funds (part of the funds) of the maternity capital is not on the territory of the Moscow Region.

(signature "and" was introduced by the Decree of the Government of the Moscow Region of December 12, 2017 N 1032/45)

22. An application for the disposal of funds, on which a decision on satisfaction was made, can be canceled at the request of the applicant by submitting by him personally or through a legal representative an application for the annulment of a previously submitted application for the disposal of funds (hereinafter referred to as the application for cancellation).

An application for cancellation must be submitted no later than 20 working days after the application for disposal of funds is submitted.

An application for cancellation is submitted to the territorial structural unit or multifunctional center for the provision of state and municipal services at the place of application for the disposal of funds with the presentation of the document specified in subparagraph "b" of paragraph 4, or the documents specified in subparagraphs "a" - "c" of paragraph 17 of this Order.

(As amended by the Decree of the Government of the Moscow Region of July 18, 2014 N 557/27)

The head of the territorial structural subdivision, within 5 working days from the date of receipt of the application for cancellation, decides whether to satisfy the application for cancellation or to refuse to satisfy it.

A notice of satisfaction or refusal to satisfy an application for cancellation is sent to the applicant by a territorial structural unit or a multifunctional center for the provision of state and municipal services at the place of residence of the applicant no later than 5 working days after the decision is made.

(As amended by the Decree of the Government of the Moscow Region of July 18, 2014 N 557/27)

In case of refusal to satisfy the application for annulment, the relevant notice shall set out the grounds on which the territorial structural subdivision made such a decision.

23. The application for the disposal of funds, according to which the decision on satisfaction was made, can be changed if included in the contract for the sale of residential premises, the contract for the sale of residential premises with installment payment, the agreement for participation in shared construction, the construction contract, the loan agreement , a loan agreement for the purchase or construction of housing, a mortgage agreement for changes regarding the amount of payment, the timing and frequency of transfer Money, as well as in the event that payments under these agreements are terminated ahead of schedule.

The applicant has the right, personally or through a legal representative, to apply to a territorial structural unit or a multifunctional center for the provision of state and municipal services with an application to change the amount and (or) terms, and (or) the frequency of transferring funds (part of the funds) of maternity capital (hereinafter referred to as the application for making changes) or with a statement of refusal to transfer funds (part of the funds) of maternity capital (hereinafter referred to as a statement of refusal).

(As amended by the Decree of the Government of the Moscow Region of July 18, 2014 N 557/27)

An application for making changes is submitted to the territorial structural unit or multifunctional center for the provision of state and municipal services at the place of application for the disposal of funds with the presentation of the document specified in subparagraph "b" of paragraph 4, or the documents specified in subparagraphs "a" - "c" paragraph 17 of this Procedure, as well as with documents confirming the introduction of amendments to the contract for the sale of residential premises, or the contract for the sale of residential premises with an installment plan, or an agreement for participation in shared construction, or a construction contract, or a loan agreement, or an agreement a loan for the purchase or construction of housing, or a mortgage agreement, relating either to the amount of payment, or the timing of the transfer of funds, or the frequency of transfer of funds.

(As amended by the Decree of the Government of the Moscow Region of July 18, 2014 N 557/27)

An application for refusal indicating the reasons for the refusal is submitted to the territorial structural unit or multifunctional center for the provision of state and municipal services at the place of application for the disposal of funds with the presentation of the document specified in subparagraph "b" of paragraph 4, or the documents specified in subparagraphs "a" - "c" paragraph 17 of this Order.

(As amended by the Decree of the Government of the Moscow Region of July 18, 2014 N 557/27)

The head of the territorial structural subdivision, within 5 working days from the date of receipt of the application for refusal or application for amendments, makes a decision to satisfy or refuse to satisfy the specified application (applications).

A notice of satisfaction or refusal to satisfy an application for refusal or application for amendments is sent to the applicant by the territorial structural unit or multifunctional center for the provision of state and municipal services at the place of residence of the applicant no later than 5 working days after the decision is made.

(As amended by the Decree of the Government of the Moscow Region of July 18, 2014 N 557/27)

In case of refusal to satisfy the application for refusal or application for amendments, the relevant notice shall set out the grounds on which the territorial structural unit made such a decision.

24. The allocation of funds (part of the funds) of the maternity capital is made no later than 2 months from the date of the decision to satisfy the application for the disposal of funds.

If the application for amendments is satisfied, the funds (part of the funds) of the maternity capital are transferred in the following order:

the first payment is sent within 30 working days from the date of the decision to satisfy the application for amendments;

subsequent payments are made at the frequency, in the amount and within the time specified in the application for amendments.

If the application for refusal is satisfied, the payment of funds (part of the funds) of the maternity capital is terminated from the month following the month of the decision to satisfy the application for refusal.

25. Upon receipt of information that affects the applicant's right to dispose of the funds (part of the funds) of the maternity capital, the territorial structural unit, before transferring the funds (part of the funds), requests information from the relevant authorities:

a) on the deprivation of parental rights in relation to the child, in connection with the birth of which the right to receive maternity capital arose;

b) about committing an intentional crime related to crimes against a person in relation to his child (children);

c) on the cancellation of the adoption of a child, in connection with the adoption of which the right to receive maternity capital has arisen;

d) on the restriction of parental rights in relation to the child, in connection with the birth of which the right to receive maternity capital arose;

e) on the removal of a child, in connection with the birth of which the right to receive maternity capital has arisen.

26. In the case specified in paragraph 25 of this Procedure, the transfer of funds (part of the funds) of maternity capital is suspended until the territorial structural unit receives the requested information.

27. Upon receipt of confirmation of the information specified in paragraph 25 of this Procedure, in relation to the applicant, the transfer of funds (part of the funds) of maternity capital upon an application for the disposal of funds is not made.

28. The amount of funds (part of the funds) of maternity capital allocated:

to pay obligations under the contract for the sale of residential premises with an installment plan, cannot exceed the price of the contract or the amount of the remaining unpaid amount under the contract;

for the repayment of the principal debt and the payment of interest for the use of a credit (loan), including a mortgage, for the purchase or construction of housing, or for the repayment of the principal debt and the payment of interest for the use of a credit (loan), including a mortgage, for the repayment of a previously granted loan for the purchase or construction of housing, either as payment of the price of the agreement for participation in shared construction, or as a payment towards the payment of a share contribution, may not exceed, respectively, the amount of the balance of the principal debt and the debt on payment of interest for the use of the specified credit (loan), or the remaining the unpaid amount under the agreement for participation in shared construction, or the remaining unpaid amount of the share contribution necessary to acquire the right of ownership to the dwelling.

29. The funds (part of the funds) of the maternity capital are transferred by the territorial structural unit in a non-cash manner to the bank account of the organization carrying out the alienation (construction) of the acquired (under construction) residential premises specified in the relevant agreement, or the individual alienating the acquired residential premises, or to the bank account account of the cooperative, or to the bank account of the organization that provided the applicant or his spouse with a loan (loan), including a mortgage, or to the bank account of the applicant in the case of directing funds (part of the funds) of maternity capital for the construction (reconstruction) of an individual housing construction project, carried out citizens without involving an organization engaged in the construction (reconstruction) of an individual housing construction object, or in the case of directing funds (part of the funds) of maternity capital to compensate for the costs incurred for the construction (reconstruction) of an object and individual housing construction.

Upon assignment of the right to claim under a loan agreement (loan agreement), the funds (part of the funds) of maternity capital are transferred by bank transfer to the bank account of the organization to which the rights of claim have been transferred.

30. If the amount of funds (part of the funds) of maternity capital for improving housing conditions, indicated in the application for the disposal of funds and transferred to the account of the creditor organization (lender), exceeds the amount of the balance of the principal debt and interest for using the credit (loan) as of the date receipt of funds to the account of the organization, the difference between the indicated amounts within 5 banking days from the date of receipt of funds to the account of the organization is subject to return to the territorial structural unit to the account from which the funds were transferred.

The territorial structural unit enters information about the returned balance of funds (part of the funds) of the maternity capital into the information about the applicant.

31. The applicant is responsible for the accuracy of the information provided and is obliged to timely inform the territorial structural unit or multifunctional center for the provision of state and municipal services about changes affecting the disposal of regional maternity (family) capital.

(As amended by the Decree of the Government of the Moscow Region of July 18, 2014 N 557/27)

32. If the funds (part of the funds) of the maternity (family) capital were used by the applicant for other than their intended purpose, they are subject to return on a voluntary basis or are collected in accordance with the legislation of the Russian Federation.

33. The Ministry of Social Development of the Moscow Region and territorial structural divisions keep records of the budget funds of the Moscow Region related to the provision of maternity capital, as well as records of the use of these funds in accordance with the legislation of the Russian Federation on budget accounting.

(As amended by the Decree of the Government of the Moscow Region of December 12, 2017 N 1032/45)

34. Control over the targeted spending of funds from the budget of the Moscow Region, aimed at paying maternity capital, is carried out by the Ministry of Social Development of the Moscow Region.

(As amended by the Decree of the Government of the Moscow Region of December 12, 2017 N 1032/45)

Popular answers to questions about matkapital

On November 27, 2010, Decree of the Government of the Russian Federation N 937 in the "Rules for the allocation of maternity (family) capital funds for improving housing conditions" amended paragraph 17 of the Rules, according to which, if the application for the disposal of maternity capital funds is satisfied, the transfer of funds is carried out by the territorial authority PF R...

No. When submitting an application to the Pension Fund, among the entire set of documents, you will need to submit a certificate of registration of property rights. In your case, you cannot present this certificate, therefore the Pension Fund will not accept your documents ...

Yes. To do this, it is necessary to submit an application for refusal to send funds (indicating the reason for the refusal) to the Pension Fund of the Russian Federation, which must be accompanied by a document confirming the deduction from educational institution. After that, the transfer of funds will be stopped from the 1st day of the next month...

At the moment, the amount of maternity capital is approximately 10-40% of the cost of an average apartment, depending on the city, district, initial living conditions. In a normal situation, the use of mother capital has a number of restrictions that do not allow you to dispose of it completely at your own discretion. However, the repayment of a mortgage with maternity capital is seen as an improvement in the child's living conditions, which means that it is possible to pay off a loan in this way without any problems. Using this approach requires family certificate.

What is maternity capital

Family capital is a certain amount that the state can transfer one time to a woman who has given birth to a second, third, etc. child from January 1, 2007. The list of ways to use mother capital is long, but limited by law. You can use the mother's budget only to meet the needs of the child: education, better living conditions, individual essentials, etc. In most cases, this money is used to purchase housing, pay off debt under a mortgage agreement.

How to pay off a mortgage with maternity capital

Mortgage repayment can be used maternity capital, if you follow a certain procedure:

1. Collecting money to pay the down payment. It is approximately 20% of the total.
2. Making a mortgage loan. You will need an identity document, a certificate for obtaining maternity capital.
3. Actions after the mortgage is issued. Drawing up and notarization of a document confirming the ownership of housing. The loan is registered by Rosreestr, an extract from the USRN is issued.
4. Use of maternity capital to pay off a mortgage. To do this, you need to take a certificate of debt under a loan agreement from the bank. Then the owner of the certificate for mother capital signs a notarized obligation to register the children and the second spouse as equal equity holders of housing within 6 months after paying off the debt to the bank and removing the encumbrance from the living space.
5. Submission of an application for the use of maternity capital at the address of the pension fund. After receiving a certificate of credit obligations, you should submit a corresponding application to the FIU, attaching the following documents: passport, SNILS, an obligation to register the purchased housing in the shared ownership of all family members.

Choosing a banking institution and lending program

The purchase of real estate under a mortgage agreement with the right to use maternity capital to pay off the mortgage is not practiced in all banking institutions. Such financial transactions require well-trained specialists in this field and appropriate permits. The following banks allow making monthly payments or repaying a mortgage with maternity capital:

1. Bank of Moscow. Issuance of mortgage loans from 900 thousand to 90 million rubles. for a period of 50 years with an initial payment to the bank of 10% of the amount.
2. Sberbank. It has an individual system for calculating the maximum loan amount, as well as interest rate, which will affect the payment schedule, the amount of monthly payments. After paying the down payment, taking into account the mother's capital, the bank within a few days will cease to charge a penalty for the mother's capital that has not been previously paid.
3. VTB 24. Provides the borrower with the opportunity to make a partial payment at the expense of mother capital. After receiving the certificate and providing it by the owner to the VTB 24 branch, the bank will determine the amount of the loan that it can issue to the borrower. Regardless of the amount, investing in a mother's capital mortgage will provide a loan on favorable terms: 11% per annum, up to 30 years, minimal fines.

Mortgage application

The corresponding statement has unique content for all banks, but overall structure. When submitting an application, it is important to indicate the data specified in the documents. If this is possible, the bank should be notified of the intention to use the partial repayment of the mortgage loan by maternity capital. After verifying the data, the application must be sent to the bank through which it is planned to draw up a mortgage lending agreement. Based on the data received, the bank will decide whether it can issue a loan to the applicant, as well as determine the final conditions.

Signing and registration of the loan agreement

If a positive decision is made on the basis of the application received from the borrower, the loan expert:

1. send a notice of the commission's decision to the applicant's name;
2. make a note in the Application Registration Book;
3. prepare a credit case.

At a personal meeting with the applicant, the details of the loan agreement are discussed: repayment terms, loan obligations of the parties, the possibility of repaying a housing loan with mother capital. The contract with the final terms is drawn up in two copies, which are signed by the parties. The final stage is the obligatory registration of the loan in the USRR - the unified State Registration Chamber.

Information about the balance of debt in the Pension Fund

The signing of the contract does not end the process of drawing up the contract. In order for the pension fund to transfer matkapital to the bank, the applicant must submit a certificate of loan debt to the PFR branch. It can be obtained at the branch of the banking institution that issued the loan. To do this, you must write an appropriate application and provide the employee with a loan agreement and an identity document. The term for preparing a certificate for each bank is different and is up to 5 business days.

Mortgage repayment by maternity capital and recalculation of the loan payment schedule

Repayment of a mortgage with maternity capital automatically leads to a recalculation of interest, and as a result, the final amount that will have to be spent. This is due to the fact that the amount of the mother's capital cannot be immediately offset into the mortgage agreement, so the interest is calculated based on the down payment that the borrower can make. The amount of capital subsequently contributed can be distributed in accordance with the applicable terms of the contract. It will go to repay the debt directly or will be dispersed between interest and the initial loan amount.

Documents for repaying a mortgage with maternity capital

A mortgage under maternity capital is issued upon submission of the following documents:

• A completed application form;
• copies of the passport;
• a copy of the work book;
• a copy of the employment contract or certificate of Form 2-NDFL;
• income statement.

What documents are needed for the bank

Signing, drawing up, registration of the contract are carried out according to the following documents:

• original passport of the borrower;
• marriage certificate, presence of children;
• SNILS;
• education documents;
• certificate of no debts to other banks, according to public services;
• full photocopy of the work book;
• 2-personal income tax;
• notarized consent of the spouse.

List of documents to be submitted to the FIU

Maternity capital for repaying a mortgage is issued upon submission of the following documents to the point of issue of a certificate for mother capital:

• state certificate;
• copies of documents confirming the ownership of real estate;
• a copy of the cadastral passport for real estate;
• expert description and conclusion based on the results of the inspection of real estate;
• copies of passports;
• SNILS;
• a notarized copy of the loan agreement;
• certificate of residual debt to the bank;
• a copy of the mortgage agreement;
• certificate of registration of ownership.

Conditions for using maternity capital to pay off a mortgage

The provision of money by the state to improve housing conditions is possible subject to several conditions:

• the mortgage is issued to the owner of the certificate;
• acquired real estate by law can be registered only for children and their parents;
• in case of temporary impossibility to register housing as common property, the borrower signs a written obligation to register family members as equity holders within 6 months;
• family members of the owner of the certificate cannot be a party to the transaction.

Maternity capital for a mortgage for a down payment

family capital can be used as a means to increase the down payment on the mortgage, which will lead to a decrease in the total amount of overpayment on the loan. This is the most common use of mother capital. The payment schedule is also recalculated, their size is reduced. The solution is standard, does not require additional legal knowledge when making an application, and contributes to the early repayment of the mortgage.

One-time payment of a part of the loan and interest on its use

There is also a common method of repaying a mortgage, in which part of the capital goes to pay off the debt, and part goes to interest. In the second case, half of the capital is used as a down payment, reducing the interest on the loan, the overall overpayment and reducing the amount of debt. The second half is evenly distributed over a certain period of time, goes to partial or full payment of interest for this period. The borrower himself can choose a convenient option: for how long to distribute the second part of the capital, partially or fully pay interest.

Repayment of mortgages by participants in the savings and mortgage system of military personnel

A military mortgage differs from the usual one in a larger share of financial assistance from the state, it is characterized by the provision of preferential lending conditions, an additional targeted loan, and the accounting of money on a personal savings account of a serviceman. The military is entitled to preferential terms:

• with a length of service of 20 years;
• those who retired from service in cases provided for by law (due to health reasons, reaching the age limit for service, personnel changes, family circumstances taken into account by law).

Repaying a military mortgage with maternity capital has a number of advantages. The state can provide a soldier with an interest-free loan, which will become part of the down payment on the loan or go to pay off interest. The PFR also has the right to pay part of the savings from the federal budget in order to partially cover the amount of the total debt if the length of service of a serviceman is more than 20 years. The remaining clauses of the military mortgage agreement and the conditions for providing maternity capital for it remain unchanged.

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