Mortgage with parent capital in primsocbank. Banks working with parent capital Mortgage with parent capital in primsocbank
Down payment - from 10%
Credit rate - from 13.00%
Loan amount - from 100,000 rubles.
Loan term - from 3 months to 6 months
Currency - Rubles
The loan is provided in the amount of maternity capital ** + regional (family) capital ** for the purpose of acquiring housing in the primary and secondary housing market: apartments, rooms (shares) in an apartment, houses with a land plot.
- Without documentary evidence of employment and income;
- The administrator of maternity capital funds can act as a borrower with no income;
- Deferral of payment of the principal debt (payment of only interest on the loan);
- Possibility to purchase an apartment during the construction phase from any developer.
Borrower requirements
Loans are provided to citizens of the Russian Federation who have permanent or temporary registration in the territory of the Russian Federation.
AGE AT THE MOMENT OF THE LOAN REGISTRATION: At least 18 years.
AGE AT THE MOMENT OF END OF PAYMENT ON THE LOAN: Not more than 65 years.
WORK EXPERIENCE: Any
ATTRACTING CO-BORROWERS: No more than 3 individuals can act as co-borrowers for a loan, whose income is taken into account when calculating the maximum loan amount.
The spouse of the Title co-borrower is a co-borrower on a mandatory basis, regardless of his (her) solvency and age. This requirement does not apply if there is a marriage contract.
Insurance
In the event of an insured event, your loan obligations will be assumed by the insurance company, therefore the following types of insurance are a prerequisite for granting a loan:
- Life and disability insurance ***;
- Collateral insurance;
- Risk of loss of ownership (at the discretion of the bank).
Associated payments
CONSIDERATION OF A LOAN APPLICATION, CHECKING OF DOCUMENTS AND OBJECT OF THE MORTGAGE: Free.
EVALUATION OF THE MORTGAGE OBJECT: At the same time, when concluding an agreement on the assessment of the market value, according to the rates of the appraisal company
PAYMENT OF THE STATE DUTY FOR TRANSACTION REGISTRATION: Lump-sum, in accordance with the tariffs of the Rosreestr Office.
INSURANCE OF RISK OF LOSS OF PROPERTY RIGHT: The bank determines the need for this type of insurance. Annually, in accordance with the rates of the insurance company.
OPENING AND PROCESSING OF A LETTER OF CREDIT, RENT OF AN INDIVIDUAL SAFE, TRANSFER OF FUNDS: In accordance with the tariff collection of the bank.
* Maternal (family) capital is a measure of state support for Russian families in which, after January 1, 2007, a second child appeared (a child born in a family (or adopted) after January 1, 2007, or a third, fourth and subsequent child, if after birth previous children, the right to receive maternity capital was not formalized).
** Large families can receive regional (regional) family capital in the amount of 30,000 to 200,000 rubles, which can be used, including for improving living conditions. The right to regional (oblast) (family) capital arises at the birth (adoption) of a third or more child (children) who has the citizenship of the Russian Federation. The amount of family (regional) capital is set by the administration of your region.
*** This type of insurance is optional and is only advisory. The borrower can refuse insurance, in which case the interest rate will be increased.
**** In case of joining the program of voluntary property and liability insurance of individuals (Box insurance). Applies only if the collateral is an apartment, residential buildings (except for wooden ones). In other cases, the base rate is 14% per annum.
Using maternity capital for partial or full payment of the first mortgage payment makes it much easier to obtain a home loan. At the same time, the Primsotsbank program allows the implementation of the corresponding certificate without waiting for the child to be three years old.
Note that after the repayment of such a mortgage, the borrower is obliged to allocate to his children shares in the housing freed from encumbrance. In practice, the tool for monitoring the implementation of this norm in Moscow has not yet been fully worked out, which makes it possible to bypass it. However, it should be understood that such a violation is fraught with trouble in the future.
Benefits of a mortgage under maternity capital from Primsotsbank
If a couple with children were planning a mortgage anyway, using the family capital will save their own money. Another option is to reduce the monthly payment by increasing the initial payment (own savings + "matkap"). Advantageous combinations of the two solutions are also possible.
As of 2020, the amount of maternity capital has not changed for several years. And it is not indexed after receiving a certificate confirming the right to pay it. This means that its "purchasing power" is declining following inflation. Against this background, the opportunity to transform government support into square meters at a time and immediately after the birth of a child is very relevant.
How to get a mortgage secured by maternity capital in Primsotsbank?
The scheme for obtaining such loans has a number of nuances. So, the bank will need to additionally provide a "Certificate of the balance of maternity (family) capital" from the Pension Fund. Usually it can be ordered in advance through the PFR website - you don't even need to use your personal account for this. It takes three working days to prepare it.
However, it is useful to first clarify the procedure for obtaining a document by phone. Later, you will need to write an application for the transfer of family capital funds to the bank. The exact algorithm of actions for obtaining a home loan under the "matkap" is better to clarify in the office of a financial institution.
Like many banks in the Russian Federation, Primsotsbank offers citizens a mortgage lending program for the purchase of housing with the ability to use maternity capital funds.
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In this material, we will acquaint you with what mortgage and maternity capital are in Primsotsbank in the Russian Federation in 2020.
What are the requirements for borrowers, under what conditions mortgage lending is provided, we will also talk about the preparation of a package of documents and the procedure for drawing up a loan agreement.
Highlights
In this section, you will get acquainted with the important nuances of using maternity capital when paying for a mortgage loan in Primsotsbank, which categories of citizens can use mortgage programs, and we will also give you the main regulatory documents.
Important aspects
The mortgage lending program from Primsotsbank makes it possible to solve the problems of young families regarding the improvement of housing conditions.
The bank has two programs - Maternity capital and Maternity capital plus. The bank allows the certificate for the mother capital to cover part and.
Using these programs, it is possible to purchase apartments or shares on the basis of agreements on equity participation in the construction of construction projects with which Primsotsbank cooperates on a partnership basis.
Under the program, the maternity capital mortgage is provided in the amount of the maternity certificate and the size of the regional capital for the purpose of buying a home in the primary or secondary market.
It is allowed to purchase apartments and shares in them, private houses with personal plots. For families with many children, regional family capital is provided in the amount of 30 thousand to 200 thousand rubles.
Citizens receive the legal right to such family capital in the event of the birth or adoption of a third or more child who is a citizen of the Russian Federation.
The amount of such financial assistance is set at the level of individual regions. Due to the low interest rate on mortgages in 2020 at Primsotsbank, such lending using the mother capital is available to almost every family.
And thanks to the possibility of using the certificate for partial repayment, it is possible to improve living conditions without significantly burdening the family budget.
In practice, and judging by the feedback from citizens, the most in demand is the Maternity Capital Plus program.
It makes it possible to purchase an apartment, a private house with a plot or other residential real estate within the amount of the existing certificate for the capital.
That is, the size of the loan is from 150 to 429 thousand rubles. granted for a period of 2-6 months, annual interest is 17-26%.
Who has the right to issue
Here is a list of categories of citizens who are eligible for participation in the program:
No more than three citizens can be registered as co-borrowers, whose official income is taken into account when calculating the maximum available amount.
The spouse of the main client is a mandatory co-borrower, regardless of age and level of solvency.
Under the Maternity Capital program, clients are required to have a minimum length of service at an official place of work - at least six months. It is also necessary to provide a certificate of average earnings for.
The legislative framework
Mortgage lending using the funds of the parent certificate is a special program of the bank.
It provides for the repayment of a part of the initial payment or payment of the body at the expense of the mother capital.
The procedure for using a certificate for mortgage lending is spelled out in.
In accordance with the provisions of the regulatory enactment, matcapital can be directed to the following needs:
It has been allowed to use the funds of the certificate for the payment of mortgage loans since 2009. Note that in accordance with the law, in this case there is no need to wait until the child is three years old.
Receiving procedure
In this section, we will describe the conditions for the current programs of Primsotsbank, the necessary documents, the peculiarities of drafting and processing a mortgage agreement, and also we will give the advantages and disadvantages of using the funds of the mother capital to repay the mortgage.
Mortgage conditions and maternity capital in Primsotsbank
Let's consider in detail the conditions of mortgage lending in Primsotsbank with the possibility of using maternity capital:
Purchase of an apartment or a private house | Do you who have bank accreditation |
Loan amount and interest | Must be paid by a one-time transfer of the entire amount from the Pension Fund within 180 days from the date of the mortgage loan |
Holder of a certificate for matcapital | Can be formalized in a mortgage agreement as a borrower who does not have an official stable income |
When calculating the maximum amount | The income of no more than three co-borrowers is taken into account |
Credit provided | Only in rubles |
Minimum loan amount | Is 150 thousand rubles |
Maximum amount | Size of the maternity certificate |
In case of purchasing an apartment or share | In it, the interest is 15% per annum. In case of purchasing housing at the construction stage - 16.5% per annum |
Required documents
To obtain a mortgage under the Maternity Capital Plus program, you must provide the bank with a package of documentation, which includes:
- from the client and co-borrower for registration of the mortgage, filled in according to the standardized form of the bank;
- copies of all spreads of the passport and identification code of the borrower and co-borrowers;
- original and copy of the certificate for maternity capital;
- an extract from the pension fund regarding the availability of funds in the personal account of the certificate holder;
- copies of all children;
- copy of SNILS.
The bank may additionally require the following documents, if necessary:
- a copy of the document on the official registration of marriage or its dissolution;
- client.
According to the Maternity Capital program, the package of documents is similar to the previous one, with some additions.
You must also provide:
Drawing up a loan agreement
Even at the stage of sending an application to Primsotsbank, the client must notify of his intention to use the funds of the mother capital to repay the mortgage loan.
After receiving the application, the bank employees assess the client's solvency and issue a final verdict regarding the possibility of providing mortgage lending.
The bank also makes a decision regarding the interest rate based on the provided data on solvency and other criteria.
Registration of a loan agreement in Primsotsbank is carried out in several stages:
In case of a positive decision and agreement | All the parameters and conditions of lending, the bank's expert sends an official notification to the borrower about the decision of the credit commission |
Then the expert proceeds to formalize the loan case | At this stage, the borrower must provide Primsotsbank with all the documentation required by the bank for obtaining a mortgage |
During a personal meeting | With the client, the parties come to the final approval of the conditions, such as the repayment period, obligations, the amount of repayment of the loan by the parent certificate. A mortgage agreement with detailed conditions is drawn up in two copies, which must be signed by both parties |
An official document is being formed | Certifying the ownership of the acquired property, which must be certified by a notary office. The last stage is the registration of the mortgage agreement in the unified federal registration chamber, about which the citizen receives an official extract |
When applying for mortgage lending in Primsotsbank, the borrower must write a certified statement that after the full payment of the mortgage debt and removal from the real estate, the spouse and all children of the borrower must be registered as home owners in equal shares.
Video: maternity capital with a mortgage - the pros and cons
This nuance is required when using a certificate for maternity capital to pay a mortgage.
In the process of drawing up a loan agreement, the client must responsibly observe all documentary points, since in the event of a discrepancy between any official document or insufficient income of co-borrowers, a mortgage loan may be refused.
Advantages and disadvantages
The purchase of housing by young large families under mortgage lending programs from Primsotsbank makes it possible to significantly improve living conditions, expand living space, so that each family member feels comfortable and has personal space.
However, mortgage programs have not only advantages but also disadvantages. Advantages of mortgage programs using matkapital:
- wide possibilities of using the certificate, that is, a family can choose an apartment or a private house from different developers, focusing on personal preferences;
- for the Maternity Capital Plus program, there is no need to provide a certificate of income, a copy;
- payment of debt on a mortgage loan in one payment from the pension fund, as a result of which there is no need to wait and repay in installments;
- in some cases, when calculating the maximum allowable amount, the total income of the three co-borrowers is taken into account;
- prompt decision on granting a loan;
- no need for.
Also, the programs have some disadvantages:
- short loan term;
- the presence of a commission for registration;
- limited choice of currency, lending is carried out exclusively in rubles.
In 2019 most large work with maternity capital. Many of them provide an opportunity not only for a loan, but also at the expense of the capital capital - for this you need to submit the necessary to the credit organization and the Pension Fund at any time after the right to the certificate appears - wait 3 years not necessary.
Get a loan if maternity (family) capital (MSC) was used (is being used) for its registration, can't, since a non-cash transfer of credit funds to the account of the certificate holder or his spouse is required condition approval of the order. at interest also not allowed, since mother capital is target a measure of state support, and a citizen can dispose of it only in the areas established by law No. 256-FZ of December 29, 2006. on measures of state support for families with childrenwho not provided using MSCs to form a bank deposit.
What banks issue mortgages for maternity capital?
In 2019, most large banks in the Russian Federation issue mortgage loans for maternity capital, and also allow you to repay previously issued loans with funds. According to Part 6.1. Art. 7 of Federal Law No. 256-FZ, you can apply to a credit institution at any time after receiving a certificate - wait three years not necessary.
The table presents terms, on which a loan with parent capital can be taken from some large banks in Russia.
Bank | Programs | Terms (in years) | First payment (in%) | Rates (in%) |
---|---|---|---|---|
Buying a home on the primary market | Up to 12 - on specials. programs; Up to 30 - on general terms | From 15 | 8.50 to 10.50 | |
Buying a secondary home | Up to 30 | From 15 | 10.20 to 11.60 | |
Acquisition of primary housing | Up to 30 | From 10 | From 9.7 | |
Secondary housing purchase | Up to 30 | From 10 | From 9.7 | |
Gazprombank | Mortgages from the largest developers | Up to 30 | From 10 | From 10.50 |
Purchase of apartments from KP "UGS" | Up to 30 | From 10 | From 10.50 | |
Buying a townhouse from Gazprombank-Invest | Up to 20 | From 20 | From 10.50 | |
Home purchase in the primary market | Up to 30 | From 10 | From 10.50 | |
Buying residential premises in the secondary market | Up to 30 | From 10 | From 10.50 | |
Rosselkhozbank | Young family and maternity capital | Up to 30 | From 15 | From 10 |
Bank opening" | Buying a secondary home | Up to 30 | 10 to 80 | From 10 |
Acquisition of primary residential premises | Up to 30 | 10 to 80 | From 10 | |
Promsvyazbank | Purchase of residential premises in the primary market | Up to 25 | From 10 | From 9.8 |
Buying a secondary home | Up to 25 | From 15 | From 10.2 | |
Alfa Bank | Ready housing | Up to 30 | From 15 | From 9.99 |
Housing under construction | Up to 30 | From 15 | From 9.79 |
On the possibility of repayment of a loan (taken under a particular program) by the mother capital, it is necessary learn from employees of a particular bank.
Is it possible to direct the mother capital to pay the down payment?
According to paragraph a) part 3 of the Government Decree No. 862 of 12.12.2007. on the rules for directing family capital to improve housing conditions, certificate means can be used to pay by target a loan (loan) for the purchase or construction of housing (including a mortgage). In 2019, the following major banks of the Russian Federation accept MSCs for the first installment:
- bank opening ";
- other.
Before sending maternity capital to the initial contribution, you must read the terms credit institution, some banks impose restrictions on the use of MSCs for this purpose.
VTB Bank. The down payment, in addition to maternity capital, must include personal funds. In addition, you can pay with uterine capital no more than 15% the cost of living space, and you need to pay off with your own funds not less than 10%... At the same time, use the certificate to pay the initial payment in the program "Victory over the formalities" can't.
Gazprombank... When providing a certificate for MSCs, the initial payment can be reduced by its amount, but not less than 5%.
Promsvyazbank... The initial payment can be paid by the parent capital with a deferral up to six months... At the same time, the owner of the certificate should not have any other valid loans for improving housing conditions.
Bank opening". Taking into account the funds of the MSC, the minimum amount of the initial contribution can be 10 % .
Rosselkhozbank... The down payment can be fully paid parent capital, if its amount is:
- 10 % from the value of the property;
- 15 % from the price of primary housing.
DeltaCredit... When using a certificate, the down payment may be less by 10% in comparison with the conditions of the standard programs of the bank.
Alfa Bank.If the maternity capital is used for the down payment, then not less than 5% the value of the property, the borrower must repay with personal funds.
In order to channel the capital for the down payment, you first need contact the bank with the required list of documents for a loan, and after apply for an order to the bodies of the FIU.
If the Pension Fund approves the order, then the funds of the certificate will be transferred by bank transfer to the credit institution within 1 month and 10 working days from the moment of registration of the application.
List of documents for obtaining a mother capital by a bank
In order for the maternity capital to be sent to the credit institution as an initial payment, it is necessary to apply to it for a loan with the following list of documents:
- application form;
- identity cards of the borrower and co-borrower - one of them must be the owner of the certificate;
- confirmation of their place of residence (stay);
- documents confirming employment and income (certificate of salary, copy of work book, etc.);
- a certificate for MSC funds;
- a certificate of the balance of the capital issued by the PRF authorities.
Exact list needed clarify at the selected credit institution.
to the Pension Fundby providing:
- statement of disposal;
- marriage certificate and spouse's passport (with confirmation of place of residence), if he is a co-borrower;
- a copy of the loan agreement;
- a copy of the registered mortgage agreement;
- notarial obligation to allocate shares to the spouse and children.
Is it possible to repay a loan from a bank with parent capital?
According to Part 3 of Resolution No. 862, the capital can partially or fully targeted loan taken from the bank for the purchase of housing. To do this, you must notify the credit institution in 30 days, since Part 2 of Art. 810 of the Civil Code of the Russian Federation establishes that a citizen has the right to return loan funds taken at interest ahead of schedule if he notifies the bank about this within a specified period. Also, the owner of the certificate must take certificate of unpaid balance.
Credit organizations can set a different period in which it is necessary to report the early repayment of the loan.
To fully or partially repay a home loan with a parent capital, to the bank you must provide:
- identity card of the borrower / co-borrower;
- application for early repayment;
- a certificate from the FIU on the balance of the capital;
- certificate for MSC.
After that, the owner of the certificate needs to contact to the Pension Fundby providing:
- statement of disposal;
- russian passport with a registration mark;
- spouse's passport and marriage certificate, if he is a co-borrower;
- a copy of the loan agreement;
- a copy of the mortgage agreement that has passed state registration;
- documents of title to the residential premises:
- an extract of ownership from the USRN;
- a copy of the equity participation agreement registered with Rosreestr;
- an extract from the register of members of the housing cooperative;
- a certificate on the amount of the unpaid loan balance;
- confirmation of non-cash crediting of credit funds to the account of the certificate holder (spouse);
- commitment to allocate shares.
The appeal is considered by the FIU body one month... If the order is approved, then the maternity capital is transferred to the credit institution within 10 working days.
According to clause c) part 3. of Resolution No. 862, maternity capital can be used to pay off refinanced targeted loan for the construction or purchase of housing.
Cash loan secured by maternity capital
A loan, which is issued with the involvement of materkapital funds, can be obtained in cash can't, as cashless transfer of funds to the owner of the certificate (his spouse) is obligatory condition for ordering MSC.
P. 7 h. 2 tbsp. 8 of Law No. 256-FZ establishes that if the Pension Fund is not provided with a document proving cashless receipt of credit funds, then circulation will not be satisfied.
it proved clause 8 of the “Review of judicial practice in cases related to the exercise of the right to maternal (family) capital”, approved by the Presidium of the Supreme Court of the Russian Federation on June 22, 2016. To a citizen who received a loan to buy a two-room apartment in a limited liability company on an expense cash order, first the Pension Fund, and after the court of appeal denied disposal.
This decision was made because the loan agreement was concluded after they entered into force the current changes that approved the confirmation of non-cash transfer of funds.
Any transactions and operations performed for the purpose of cashing out the certificate funds, illegal and are punished in accordance with Article 159.2 of the Criminal Code of the Russian Federation " Fraud when receiving payments».
Is it possible to put mother capital in a bank at interest?
Use maternity capital for a bank deposit at interest can't, since the means of the certificate are a measure of state support, which is provided for orders in the directions established by Part 3 of Art. 7 of Law No. 256-FZ. The specified article not provided use of mother capital as cash for a bank deposit. In 2019, MSC funds can be used to:
- improving the living conditions of the family;
- payment for children's education;
- formation of the funded pension of the mother or adoptive parent;
- payment for goods (services) necessary for adaptation in the society of a disabled child;
- receiving a monthly payment for the 2nd child up to one and a half years.
In 2017, bill No. 070471-6 was introduced to the State Duma " About construction savings banks”, Which would allow, among other things, to use the funds of the MSC as a construction savings contribution. Subsequently, the owner of the certificate could apply to the savings bank to provide him with a targeted loan to improve his living conditions.
Today, a mortgage loan is in great demand among Russians, since it is possible to purchase housing with its help in a short time. This opportunity is actively used by families who received maternity capital for the birth of their second child. You can use funds to improve living conditions without waiting until the baby is three years old. Mortgages with parent capital in Primsotsbank are issued in the same way as a classic product. After the conclusion of the transaction, it is important to strictly adhere to the repayment schedule that is attached to the agreement. You can usually make a payment in several ways: in a mobile application, Internet bank or through an ATM. Delays will lead to an increase in debt due to penalties. If delays in payment are frequent and long, then there is a risk of losing your home.
What are the conditions and procedure for depositing funds?
To be able to apply, the client must not only have the required amount on hand, but also meet the age requirement of the lender. Moreover, the upper bar is the age before which you need to pay off the debt. Therefore, it is possible to obtain borrowed funds for the purchase of housing for 10-20 years or more. When submitting an application, it is allowed to attract co-borrowers. Also, the credit institution makes requirements for the level of income, citizenship, credit history, general work experience and work experience at the current place of work. Mortgage with parent capital in Primsotsbank involves the registration and deposit of funds in the following order:
1. Preparation of the necessary documents and filling out the application form.
2. Waiting for a response. If it is positive, you can start choosing a suitable apartment or house.
3. Submission of documents for real estate to the bank. It should be borne in mind that the presence of illegal redevelopment will result in a refusal to approve this object.
4. Signing of credit documentation, payment of the initial payment, including money from the certificate.
5. Registration of rights to the acquired object in Rosreestr.
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