Banks working with maternity capital. Use of maternity capital in deltacredit bank Deltacredit maternity capital
When making mortgage loan maternal capital can be directed to the down payment or partially- early repayment mortgages. The first installment can be 10% lower compared to the terms of standard programs.
The program is designed for families with two or more children. If you are going to improve your living conditions by attracting a mortgage with maternity capital in Rosbank, you will be able to:
a) reduce volume own funds required initially for the purchase of housing;
b) save time: funds are transferred to the bank account by non-cash payment from pension fund;
c) optimize mortgage conditions - using maternity capital for partial early repayment, the amount of monthly payments or the loan term can be reduced (at the choice of the borrower).
Mortgage borrower requirements
Clients wishing to take a mortgage (housing loan) against maternity capital must meet the following requirements.
-
general or basic established bank for any program: age from 20 years old at the time of registration and up to 65 years old at the time of redemption, proof of work experience (at least 6 months at the last place of work) and solvency.
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Private, provided for by the special program "Lending taking into account maternity (family) capital": the presence of an appropriate state certificate for and a certificate from the Pension Fund of the Russian Federation on the amount of funds due to you.
What can you buy in a mortgage for maternity capital?
Real estate is available for lending both in the primary and secondary markets. By type of housing, this can be an apartment, a share in an apartment, a room, Vacation home. Rosbank's programs allow a potential borrower to choose a housing option, based on their wishes and capabilities.
For example, living outside the city is becoming more and more popular, especially among large families with children. Having issued a mortgage (housing loan) against maternity capital for a country house, you will provide yourself with space, the beauty of nature, clean air and independence from neighbors without giving up comfort - houses in modern villages have the necessary communications, they are warm and reliable.
Take a mortgage under maternity capital for a share in an apartment or a room on secondary market- means to expand the existing living space (if, for example, we are talking about the last share) or take care of the future (invest in a loan to purchase a separate home for a growing child).
And of course, within the framework of the program, you can get a mortgage under maternity capital for the most popular type of real estate - an apartment. In the case of the "secondary" this is an opportunity not to postpone the move and not to wait for the development of the area's infrastructure; housing under construction has a lower cost square meter and initially a small down payment, which, with a mortgage under maternity capital, can be further reduced. You can check with our specialists for more detailed information.
Whatever market and type of real estate you are interested in, a loan from our bank will help you realize your plans and make a long-awaited purchase. Do not miss your chance, because mortgage lending with maternity capital and additional options is a convenient and effective tool for solving the housing problem.
Check out the special offer of Rosbank
In 2019 majority large ones work with maternity capital. Many of them provide the opportunity not only for a loan, but also at the expense of mother capital - for this you need to submit the necessary documents credit organization and the Pension Fund at any time after the right to the certificate appears - wait 3 years no need.
Get a loan if maternity (family) capital (MSK) was (is) used for its registration, it is forbidden, since the non-cash transfer of credit funds to the account of the certificate holder or his spouse is required condition order approval. also at interest not allowed, since matcapital is target measure 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 children, which not provided use of MSCs to form bank deposit.
Which banks issue mortgages for maternity capital?
In 2019, most large banks in the Russian Federation issue mortgage housing loans against maternity capital, and also allow you to repay previously issued loans with its 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 no need.
The table shows conditions on which a loan with maternity capital can be taken in some large banks in Russia.
Bank | Programs | Terms (in years) | Down payment (in %) | Rates (in %) |
---|---|---|---|---|
Buying a home on the primary market | Up to 12 - on special. programs; Up to 30 - on general conditions | From 15 | 8.50 to 10.50 | |
Buying a second home | up to 30 | From 15 | From 10.20 to 11.60 | |
Acquisition of primary housing | up to 30 | From 10 | From 9.7 | |
Acquisition of secondary housing | up to 30 | From 10 | From 9.7 | |
Gazprombank | Mortgages from major 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 | |
Acquisition of housing in the primary market | up to 30 | From 10 | From 10.50 | |
Purchase living quarters 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 second home | up to 30 | 10 to 80 | From 10 |
Acquisition of a primary residence | up to 30 | 10 to 80 | From 10 | |
Promsvyazbank | Buying a home on the primary market | up to 25 | From 10 | From 9.8 |
Buying a second home | up to 25 | From 15 | From 10.2 | |
Alfa Bank | Finished housing | up to 30 | From 15 | From 9.99 |
Housing under construction | up to 30 | From 15 | From 9.79 |
On the possibility of repaying a loan (taken under a particular program) by mother capital, it is necessary learn employees of a particular bank.
Is it possible to direct the mother's capital to pay the down payment?
According to paragraph a) part 3 of the Government Decree No. 862 of December 12, 2007 about the rules of direction family capital to improve living conditions , certificate means can be used for payment by target credit (loan) for the purchase or construction of housing (including mortgage). In 2019 the following big banks The Russian Federation accepts MSCs for the first installment:
- Bank opening ";
- other.
Before directing maternity capital to the down payment, it is necessary read the terms credit institution, some banks set restrictions on the use of MSCs for this purpose.
Bank VTB. The initial contribution, in addition to maternity capital, must necessarily include personal funds. In addition, matkapital can be paid no more than 15% the cost of housing, and own funds need to repay at least 10%. In this case, use the certificate for payment down payment in the program "Victory over formalities" it is forbidden.
Gazprombank. When providing a certificate for MSC, the initial payment may be reduced by its amount, but not less than 5%.
Promsvyazbank. The initial payment can be paid by maternity capital with a delay up to six months. At the same time, the certificate holder should not have other existing loans for improving housing conditions.
Bank opening". Including MSC funds minimum size down payment can be 10 % .
Rosselkhozbank. The initial payment can be paid in full maternity capital, if its amount is:
- 10 % from the value of the property;
- 15 % from the price of primary housing.
DeltaCredit. When using the certificate, the down payment can be less than 10% compared to the conditions of standard bank programs.
Alfa Bank. If maternity capital is used for a down payment, then at least 5% the cost of real estate the borrower must repay with personal funds.
To direct mother capital for a down payment, you first need contact the bank with the required list of documents for obtaining a loan, and after apply for disposal to the FIU.
If the Pension Fund approves the order, then the funds of the certificate will be transferred to the credit institution without cash within 1 month and 10 working days from the date of registration of the application.
List of documents for obtaining maternity capital by a bank
In order for maternity capital to be sent to a credit institution as a down payment, you must contact it to receive 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 the amount wages, copy work book and etc.);
- certificate for MSC funds;
- a certificate of the balance of the mother's capital issued by the PRF authorities.
Exact list needed clarify at the chosen credit institution.
to the Pension Fund by providing:
- order statement;
- marriage certificate and spouse's passport (with proof of residence), if he is a co-borrower;
- copy 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 bank loan with maternity capital?
According to Part 3 of Decree No. 862, mother capital can partially or completely targeted loan taken from a 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, if he warns the bank about it in specified period. Also, the certificate holder must take certificate of unpaid balance.
Credit institutions may set a different period in which it is necessary to report early payment of the loan.
To fully or partially repay a housing loan with maternity capital, to the bank must provide:
- identity card of the borrower/co-borrower;
- application for early repayment;
- certificate from the Pension Fund of the Russian Federation on the balance of the mother's capital;
- certificate for MSC.
After that, the owner of the certificate needs to contact to the Pension Fund by providing:
- order statement;
- Russian passport with 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;
- title documents for residential premises:
- extract of ownership from the USRN;
- a copy of the contract equity participation registered with Rosreestr;
- an extract from the register of members of a housing cooperative;
- certificate of the amount of the unpaid balance on the loan;
- confirmation of non-cash crediting to the account of the owner of the certificate (spouse) of credit funds;
- share obligation.
The appeal is considered by the FIU one month. If the order is approved, then the maternity capital is transferred to the credit institution within 10 working days.
According to paragraph c) part 3. Decree No. 862, maternity capital can be used to repay refinanced target loan to build or buy a home.
Cash loan for maternity capital
A loan that is issued with the involvement of mother capital, receive in cash it is forbidden, because cashless transfer of funds to the owner of the certificate (his spouse) is obligatory condition for the order of the MSC.
P. 7 h. 2 art. 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.
This proves Clause 8 of the Review judicial practice on cases related to the realization of the right to maternity (family) capital”, approved by the Presidium Supreme Court RF 06/22/2016. To a citizen who received a loan for the purchase of a two-room apartment in a limited liability company by expenditure cash order , first the Pension Fund, and then the Court of Appeal denied disposal.
This decision was made because the loan agreement was concluded after the entry into force current changes that approved the confirmation of the non-cash transfer of funds.
Any transactions and operations carried out with the aim of cashing out the funds of the certificate, illegal and are punished in accordance with Article 159.2 of the Criminal Code of the Russian Federation " Payout Fraud».
Is it possible to put mother's capital in a bank at interest?
Use maternity capital for a bank deposit at interest it is forbidden, since the funds of the certificate are a measure of state support, which is provided for disposal in the areas established by Part 3 of Art. 7 of Law No. 256-FZ. The specified article not provided use of capital as Money for bank deposits. In 2019, MSC funds can be directed to:
- improving the living conditions of the family;
- payment for children's education;
- formation funded pension mother or adoptive mother;
- payment for the goods (services) necessary for the adaptation in the society of a disabled child;
- receiving monthly payment for the 2nd child up to one and a half years.
In 2017, bill No. 070471-6 " About construction savings banks”, which would allow, among other things, the use of MSC funds 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.
When a family becomes eligible for state support for the birth of a second child, the most complex issue for her - in which bank you can get a mortgage on favorable conditions? Consider the rating of banks offering maternity capital as a down payment on a mortgage.
Taking into account the statistics of the past years, the most demanded area of using state aid is “Improvement of living conditions”. The state strictly regulates the conditions for the use of maternity capital. According to federal law permission to use the funds in part or in full may be considered by the FIU 3 years after the birth of the child in the family. There is an exception to this rule: funds from maternity capital can be used up to the child's third birthday as part of obligations related to home loans.
Given the fact that the full amount of state support in the amount of 453,026 rubles in 2018 will not be enough to purchase your own housing, it remains to consider options mortgage lending. When applying for a housing loan, banks put forward a mandatory requirement - payment of the down payment. As a rule, it is 20% of total amount loan. When drawing up a contract for the purchase of real estate in the amount of not more than 2,265,000 rubles, the full amount of family capital is fully sufficient to pay the first installment.
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Requirements for the borrower when applying for a mortgage
To use maternity capital as a down payment on a mortgage in 2018, the borrower must meet the standard requirements for banks:
- Having a good credit history;
- Permanent income (monthly mortgage payment should not exceed 40-50% of your income);
- Duration of continuous work (6 months, in some banks - 3 years).
Banks working with maternity capital
Of the entire set of credit organizations in the Russian Federation, only a few banks can be named that represent mortgage loan programs as part of the use of family capital. Consider financial institutions with the most profitable mortgage programs for mat capital in 2018:
- Sberbank of Russia;
- DeltaCredit Bank;
- UniCredit Bank;
- VTB 24;
- Bank Russian capital.
The criteria for the work of banks with maternity capital differ in the size of the down payment, the type of housing purchased, the interest rate, and the loan term.
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Mortgage plus maternity capital in Sberbank
Sberbank offers to issue a loan for residential real estate by directing funds to mat capital to pay the down payment. Potential Borrowers You can use one of the following programs:
- Purchase of finished housing;
- Purchase of housing under construction.
Loan for the purchase of finished housing
The program operates as part of a campaign for young families with a base interest rate of 8.7% per annum. Subject to electronic registration of ownership annual percentage on credit goes down by 0.1%. These interest rates are relevant, provided that you receive a salary on a Sberbank card, or if the property you have chosen was built on bank loans.
In case of non-compliance with the above requirements, allowances are provided:
- +0.5% if you are not a member salary project Sberbank;
- +1% if you did not use the life and health insurance program, according to the requirements of the bank.
Participants of the "Young Family" program can count on a discount on the annual interest rate of 0.5%. A prerequisite is that the age of one of the spouses should not be older than 35 years. This discount can be used by single parents up to 35 years.
The maximum loan term is 30 years. An initial contribution of 15% can be paid from maternity capital. You can submit an application online on the Domklik portal. When buying an apartment on DomClick.ru, you can save money by getting a 0.3% discount.
Sberbank offers a mortgage loan for the purchase of an apartment in a new building for maternity capital. The terms of the loan provide for a reduced interest rate - from 7.4% per annum. The interest rate on general terms is 11.5%. To lower it to 7.4%, you need to:
- Purchase real estate from certain developers (the loan rate is reduced from 1.5-2%, depending on the loan term);
- Execute electronic registration of the transaction (-0.1%);
- Take advantage of life and health insurance services at Sberbank Insurance (-1%);
- Confirm your income with documents (-0.4%);
- Receive a salary on a Sberbank card (-0.5%).
Discount from developers is valid only for a loan term of up to 12 years.
The conditions of the action "Acquisition of housing under construction" provide for the possibility of issuing a loan in two equal parts. The first part is issued after the registration of the equity participation agreement, the second - before the signing of the deed of transfer.
The loan is issued for up to 30 years. Maximum amount- 85% of the value of real estate purchased on credit or other object, issued as a pledge. The initial payment (15%) can be paid with maternity capital.
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Mortgage under maternity capital in DeltaCredit Bank
When purchasing real estate with a mortgage using DeltaCredit Bank, you can count on the possibility of using mat capital as a down payment or early repayment of an obligation. The amount of the down payment is from 10-40% of the total amount and depends directly on the type of property you have chosen. If the amount of maternity capital is not enough to pay off the first installment, the borrower must make additional funds.
A potential borrower can choose real estate both in the primary and in the secondary market. The choice of type of housing is quite wide. It could be:
- Apartment – down payment 15%;
- Share in the apartment - 10%;
- Room - from 10%;
- Country house - 40%.
DeltaCredit Bank does not advertise the interest rate on mortgages, arguing that this factor of the loan agreement is considered in individually. In this direction, developed special program"Set your rate", the principle of which is to reduce the rate on the loan when you deposit an amount equal to a certain percentage of the total loan amount.
In this way, mortgage rate on the loan is reduced by 0.5% when making an amount equal to 1% of the total cost of the loan, by 1% when paying 2.5%, by 1.5% when paying 4.5%. Taking advantage loan calculator on the official website of the bank, you can find out the amount base rate – 10, 75%.
Mortgage repayment frequency in DeltaCredit Bank is 1 time in 14 days. This allows you to make an additional 2 payments every year, which helps to reduce the loan term.
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Mortgage under maternity capital in UniCredit Bank
Mortgages in UniCredit Bank can be taken for a period of 1-30 years by paying an initial payment of 20-50% depending on the type of residential property:
- 20% - when buying an apartment or apartments;
- 50% - when buying a residential or garden house, townhouse or cottage.
In this case, the amount of the initial contribution can be reduced by the amount of maternity capital. One of the main conditions of the bank when issuing a loan is the purchase of an apartment in a building under construction. residential buildings or land plot with a residential building located on it from a certain list of objects.
The maximum loan amount is 9,000,000 rubles. The interest rate is fixed, when making an initial contribution of 20% - 10.9%, in the amount of 50% - 12.25%.
A mandatory requirement of the creditor is the location of the employer and the registration address of the transaction participant within the Russian Federation, with the exception of the Republic of Crimea and Sevastopol.
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Maternity capital, as a down payment on a mortgage in VTB24
VTB24 offers 3 options for using maternity capital:
- Like a down payment on a mortgage;
- To repay a loan;
- Increase in loan amount.
The interest rate on a mortgage loan at VTB24 depends on the term of the loan and the amount of the down payment. Minimum bet- 11.9%, maximum - 14.45%. The conditions for participation in the Mortgage + Maternity Capital program determine the minimum amount loan in the amount of 600,000 rubles. The down payment cannot be less than 10% of the apartment price. The maximum loan term is 30 years.
VTB24 presents 2 loan products operating under the Mortgage + Maternity Capital program:
- New building;
- Secondary housing.
Mortgage under maternity capital in the bank Russian capital
Young families that are owners of maternity capital can take advantage of mortgage lending programs from Russian Capital Bank. The certificate can be used to reduce the amount of the down payment and increase the amount of the mortgage loan. The Parent Capital option is compatible with the following mortgage programs:
- Acquisition of finished housing;
- Acquisition of housing under construction.
The interest rate on loans is variable and can be indexed depending on the value of the index consumer prices for goods in the Russian Federation.
Acquisition of finished housing
The program is aimed at acquiring an apartment in a residential building or townhouse on the primary or secondary market, including in a block-built building, on preferential terms. The interest rate varies from 9-11.1% per annum, depending on the amount of the down payment. The minimum down payment is 20%. The loan is issued for a period of 3-30 years in the amount of up to 20 million rubles.
Acquisition of housing under construction
It is possible to purchase housing under construction under the mortgage program of Russian Capital Bank only in facilities accredited by AHML. Borrowers can purchase real estate in objects under construction by concluding an agreement on participation in shared construction.
- Annual interest on the loan - 9%;
- The minimum loan term is 3 years, the maximum is 30 years;
- Loan amount up to 20,000,000 rubles.
Conclusions: in which bank to take a mortgage?
Comparing the conditions for issuing mortgage loans from competitor banks, we can confidently say that the program of Sberbank of Russia is the most profitable. This is confirmed by the most low rate on a loan - 7.4% per annum and the fact that the amount of maternity capital is quite enough to be used as a down payment (15%) when buying real estate worth up to 3 million rubles.
How to get a mortgage with maternity capital?
What documents do you need to submit to the FIU when applying for a mortgage for maternity capital?
To apply for a mortgage with the involvement of maternity capital, it is necessary to prepare 2 packages of documents: to the bank and to the pension fund.
Documents for the FIU:
- Identity card of the certificate holder;
- Application of the established form for the transfer of money to the bank;
- Original certificate of family capital;
- When drawing up a mortgage agreement for a spouse, it is necessary to present his passport and marriage registration certificate;
- A copy of the mortgage lending agreement;
- Notarized commitment to share registration of ownership (no later than 6 months from the date of loan repayment);
- Technical documentation for the property, confirming its compliance with housing conditions.
Documents requested by the bank for obtaining a mortgage loan for maternity capital
There is a standard package of documents required by banks to use maternity capital as a down payment on home loan. This list may be supplemented in connection with the individual requirements of the credit institution.
- A photocopy and original of the capital certificate;
- Certificate on the amount of the balance of capital funds issued by the pension fund of the Russian Federation;
- Help 2 personal income tax for 6 months;
- SNILS;
- Copies of the most recently filed tax returns;
- Contract for the sale of real estate;
- Applicant's passport;
- A copy of the documents establishing the right to the acquired housing;
- A copy of the cadastral passport.
How to get maternity capital?
Before applying to the bank with an application for a mortgage loan under maternity capital, you must obtain the appropriate certificate. It is issued in the pension fund of the Russian Federation upon provision mandatory package documents:
- Birth certificate of the second child;
- mother's passport;
- Application for obtaining a certificate of the established form;
- SNILS;
- Form 9.
The application is considered within one month, followed by the issuance of a certificate.
Requirements for the property
Maternity capital can be directed to the acquisition of residential real estate in strict accordance with the following conditions:
- The property must be located within the Russian Federation;
- Availability of connection of necessary communications;
- Recognition of residential property suitable for habitation;
- It is issued in the shared ownership of the whole family, including children.
If the above conditions are not met, the FIU may refuse to use mat capital funds.
The procedure for obtaining a mortgage loan with the involvement of maternity capital as a down payment
Making a transaction requires simultaneous interaction with two organizations: a bank and a pension fund. The first thing to start with is submitting Required documents in the FIU to obtain a certificate. As soon as the application is considered and you receive the relevant document, you can start monitoring mortgage programs v various banks working under state support.
The next step is to collect required package documents for registration of a mortgage lending agreement. The terms of the use of maternity capital must be fixed in the contract. Next, we apply to the FIU with an application to transfer money to the appropriate credit institution, submitting a complete list of documents for this.
After the PFR transfers the money to the bank, the transaction can be considered completed. All you have to do is pay your loan installments regularly. After the full payment of the obligation, you can proceed to register housing in Rosreestr in the shared ownership of each family member.
Important Points
When applying to the pension fund with an application for the transfer of maternity capital funds to credit institution, it is necessary to take into account the specifics of the service. The fact is that the amounts of accruals are formed with a frequency of once every six months. For example, if you plan to apply for a mortgage loan in the winter, apply to the FIU in advance, in the summer.
To provide additional guarantees for the bank, the execution of a mortgage loan with the attraction of mat capital is accompanied by compulsory insurance. It should also be remembered that the acquired property will be under the burden of the bank until the obligation is paid in full. Accordingly, subsequent sales transactions or donations are excluded.
DeltaCredit Bank has developed the program "Lending with maternity capital" specifically for families who plan to get a mortgage, having a certificate for maternity capital.
Program "Lending with family capital" from DeltaCredit Bank
Conditions
According to the terms of this program, family capital funds can be used to partially repay the mortgage ahead of schedule. For a down payment, it will be enough to have only 5% of the cost of the acquired residential premises. Assessing the solvency of each individual client, as well as the cost of purchased housing and the amount of maternity capital, the bank determines how much can be offered as a loan.
To take advantage of this credit program, the client or his spouse (wife) must have a certificate for family capital. After providing a certificate from the Pension Fund on the amount of the balance of the family capital, the bank makes a decision on granting a loan. Then the capital funds should be directed to partial early repayment of the loan within a year from the moment the loan was issued.
The loan can be issued in rubles and US dollars, and its size and interest rate also depend on the loan term, region of residence, percentage of own funds when purchasing housing.
Advantages and disadvantages
The main advantages of this program include: low percentage of down payment. The disadvantages include limited size loan.
Documentation
To apply for a mortgage, you must have the following documents:
- passport (copies of all pages);
- a copy of the certificate for maternity capital;
- TIN certificate;
- education document;
- military ID for men under 27 who do not have solidary co-borrowers or guarantors;
- a copy of the work book;
- certificate from the place of work in the form 2-NDFL;
- title documents for housing;
- an extract from the Unified State Register of Real Estate Rights stating that there is no encumbrance on the dwelling.
Example
If a person who does not live in Moscow and St. Petersburg, and also not in the respective regions, takes out a mortgage with the attraction of capital funds for 10 years, buying an apartment for 4 million rubles, but having half necessary funds, then monthly payment will be 28,200 rubles, and the total income of co-borrowers must be at least 56 thousand rubles.
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