How to get rid of the mortgage from the first deposit of maternal capital. Mortgage against maternity capital

Are you hoping to get your life back by having a quick meal with this maternity capital? And a miraculous decision: a mortgage with maternal capital is like a cob deposit in a bank. Let's take a look at today's reports to see how this feasibility can be realized.

At the moment, a trend is emerging in the housing market: apartments are becoming increasingly expensive, houses are growing steadily, and people are often limited in their financial capabilities. The best solution is to get a loan. As a result, mortgages are becoming very popular. However, you will also need to make significant financial investments. How can you earn maternity capital as the first contribution to a mortgage?

Most often, the best solution is this: make the first installment, and then calmly pay off the mortgage amount. If the first deposit is serious, then the upcoming thousand-dollar payments will not seem so gigantic. And here the power comes to help the young families. The maternal capital itself, like the initial contribution from the mortgage, grew in 2017, becoming a real chance for a large number of families to brighten their lives. Today we will look at the report on how this procedure is followed when parent capital is used as the first deposit when applying for a mortgage loan. Memorize all the details so you don’t get ruined later.

Vikoristumo maternity capital in the role of the cobalt mortgage deposit

In fact, maternal capital opens up the possibility for families to take away their existing financial resource, since they have a friend (attacking) child. Let us bring our attention to an important point: the law strictly regulates how maternal capital can be spent. These are not just money, but they can be wasted quite a lot. Suvoro tsilova program. The most important and greatest requirement for the direct implementation of capital is the first deposit in mortgage lending.

There’s a lot to say about how you can vikoristovat maternity capital like a cob deposit from a mortgage. Let's clarify all the details.

Two options for securing support from the state have been proposed:

covering the base amount of the payment for the living expenses;
starting an investment in a mortgage

If you have decided to rely on maternity capital as the first depositor, you will first need to consider the range of banking institutions that are ready to deal with maternity capital.

Please note that not all banks accept this resource. At the same time, there is a sufficient number of banks that are not only willing to accept maternal capital, but also to provide profitable mortgage lending for young families. Of course, it’s right in front of Oschadbank. Oschadbank itself has capitalized as cob deposits from mortgages are often drawn up.

Remember one more aspect. If this family relies on borrowed capital to brighten the living minds without obtaining a loan, they will have to pay until the little one, for whom the capital is withdrawn, will not suffer three fates. Only after it has reached the territorial age is capital stagnation allowed.

If you need additional maternity capital to simply pay off the debt from basic payments, you no longer need to pay anything. As soon as the mother receives the certificate, she has the right to vikorize him. And for the vikoristan capital in the role of the starting deposit, the banks found a way out.

Factually vikoristannaya maternity capital: manual option

The maternal capital is treated as an initial contribution to the mortgage in a special manner. On the right is that in fact it is impossible to direct directly to the first deposit. There are two main reasons.

The apartment is available at the outpost from the seller. This mortgage is in compliance with the law, but it is issued as unpaid. Banks don’t matter.
It is difficult to find a seller who is worth checking out if you are looking for money from the Pension Fund of the Russian Federation.

Another scheme for vicarious capital as the first mortgage contribution is effective. The bank, which has a special program for maternity capital, provides a loan larger than the amount of maternity capital. Dosit often arranges for two properties, and one of them is for the amount of maternal capital. In this case, the authority will rest solely with the boss, and not with all members of the family. After this, you can submit documents to the Pension Fund in order to pay off part of the debt for additional capital. The owner must submit a written request to give power to all members of the family after paying off the mortgage loan. The requirement to register with a notary.

The great advantage of this method is the ability to recover maternal capital immediately, rather than having to wait for as many as three fates.

Plan to issue a mortgage loan using maternal capital

It is clear that there is a lot of brainpower that needs to be done in order to cancel the mortgage loan against the capital. Most often, all basic principles are standard and are similar in all banks. Let's take a look at the key change, as shown by banking regulations.

The owner is guilty of his mother's work. In this case, you need to work as little as possible. At the same time, in these banks there are even more cruelty: the stinks of the mother confirm the work in one place for three years. The main emphasis is on stability.
Income at work may vary. Insanely, the “confirmed” salary is insured, since the total amount of money for the purchase is less than 50%. It’s important to know that when working on a job, given the evidence of a good additional income, such a salary is still not compatible with the current role, since stability, stability of income, and its guarantee are important - so banks often take up to respect is deprived of the main income.
The credit history of an individual is of great importance if you want to apply for a mortgage. It’s good if you have a positive credit history. However, the amount of the loan was small, which is still a great plus for the employer, since he carefully paid for the loan at the right time.

Taking out a mortgage loan is not so easy, but many people have to cope with it. Golovna, mother, I really have the opportunity to pay the position in full.

We collect all necessary documents

We first need to revoke the official certification document, which obviously means that any family has the right to government support in the form of maternal capital. Obtain a document from the pension fund. Then you need to select a specific banking system.

Now the time has come to find out which package of documents is required for the bank and how to arrange a mortgage with the parent capital as a depository. We focus on the basic flow of official documents that are required in practically all banking systems:

Certificate of recovery of maternal capital.
Documents that confirm the person. This includes a passport, a certificate of the country on a tax deed, and a pension certificate. A package of papers may have a foreign passport or driving license.
Required documents that confirm the financial capacity and payability of a person. A confirmation of income is expected, certified by the seal of the official seal, where the employer works. It is necessary to complete the 2PDFO form.
It is necessary to submit a document confirming that the citizen does not suffer from goiters.
Ask for proof from the tax service. It is needed by persons who are looking for additional income, for example, by renting out a property.
We also hope to be very pleased with the purchase of the object of indestructibility.
The evidence from the pension fund suggests that the big man is throwing his dice.
A package of documents is collected for the property that is being purchased: this includes the technical passport of the invulnerability object, extracts from the household books, as well as documents from the BTI.
An application is being made for any citizen who wants to share the object of infirmity among the members of the family.

The bank enters into a mortgage lending agreement for an amount increased by the amount of capital. If all the documents have already been drawn up and registered in Rosreestr for the purpose of adding the object of inviolability, then the owner, having become a ruler, is donated to the pension fund.

We transfer the mother capital to the cob application

The following documents are required:

documents that confirm the registration of the right of authority;
information about mortgage loans;
certificate of support from the state - maternal capital.

Return your credit: In some cases, the certification document will be wasted. It is possible to vipraviti. You just need to go to the pension fund and get a duplicate certificate.

To contribute to the maternity capital, the extinguishing part of the loan, which actually replaced the starting contribution, continues until it is allocated to the pension fund. There is no application for maternal capital to be directed to a specific banking institution, with which the young family has entered into a mortgage lending agreement. The applicant must indicate that the parent's capital will be used to pay off mortgages. Remember that maternal capital for repaying the loan for everyday conditions is not visible in the near future.

The set of documents for allocation to the pension fund also includes the following documents:

A statement is drawn up from the bank: it confirms that the citizen intends to cancel the mortgage loan against the capital.
They put paper on the post-officer, looking after the person.
Necessary information about the object of hearing loss that is being bathed.
An application is submitted to ask any citizen to transfer the parent capital to the lending bank as the first deposit on the mortgage.

Once you have prepared all the necessary documents, you can say that the basics have been completed.

A bunch of important moments

Regain respect for these nuances. You will definitely need this information:

From the moment of complete repayment of the mortgage loan, the property of inviolability is recorded for all members of the family, in equal parts.
It is very important to contribute to the pension fund in advance. It has its own specificity of work: the instructions are molded approximately once every 6 months. Since the family needs to raise maternal capital for the first installment of the mortgage, then move on from behind, again in advance.
It is worth remembering that the object of infirmity is subject to stress right up to the moment when the mortgage loan is paid in full. Then living accommodation cannot be given, exchanged or sold.
When applying for a mortgage loan, insurance is required. This will provide additional guarantees for the banking system, as well as for the deposit manager.

Remember that the main task is to pay off the mortgage loan with a regular debtor. It is important to objectively evaluate your financial capabilities. Now you know that it is possible to take out a mortgage with maternal capital as a contribution from the cob.

Navigation for the article

Living food is a major problem in our country. For decades now, the era of economic crisis has been flourishing. Most young families are hesitant to rent an apartment, giving unknown people half of their salary. As a way of regulating the problems of the unruly state, power was transferred to contribution to maternal capital as an initial contribution when obtaining a mortgage.

Basic concepts

For example, in late 2015, the President adopted Federal Law-131, which is why the possibility appeared.

For the young family there is the possibility of:

Vikoristovvat a fixed amount as a cob contribution when applying for a loan for the purchase of non-ruminant materials.
Partially repay the mortgage you took out earlier.

Vimogi up to potential position

A loan for the purchase of property, in which the initial contribution includes the parent's capital, will be praised as the client meets the requirements.

Vimogi to the post office	Features
Vik	At the time of repayment of the loan, the borrower and the co-borrower are not guilty of reaching the age of 65 years
Dosvid robots	There is greater confidence in a positive result, since more than 6 months have passed since the official training in the remaining enterprise. The total length of work experience may be more than 1 day
income	We can make up to six thousandth net profit in the skin bank. The minimum level of family income is 45,000 rubles
Number of hog crops	It is necessary for the client to have a positive credit history. People who are blacklisted are encouraged to apply for high wages
Maximum amount	The client can obtain a loan amount of 3,000,000 rubles. Moscow and St. Petersburg have more value – up to 8,000,000 rubles
Maximum term	The legal term of crediting is not guilty of exceeding 30 years or 362 months

A co-borrower is a physical person who plays the role of a guarantor. If you don't pay the main payer to Borg, you have to switch to a new one.

As a leader, you can take the fate of any member of the family or any other person who has reached 25 rocks.

Pokrov's instructions for purchasing hearing loss

The procedure for applying for a mortgage loan is divided into several main steps:

, which is confirmed by the declaration about the vicorization of kosti. It appears at the MFC, the pension fund, the department of social protection of the population, or in the administration of the place after the place of official residence. What is needed for:
1. Submit an application by submitting the necessary documents (passports and birth certificates of all family members, the application is stored in the organization)
2. Ready to review your application. Maximum term – 31 calendar days.
3. Cancel the personalized certificate.
Submitting an application for a mortgage.
Ochikuvannya decision. The line of sight is composed from 1 day to 1 month.
If the result is positive, the purchase and sale agreement will be concluded as soon as possible.
A statement was written about the transfer of funds from the state support for the expansion of the banking organization. This document is written there, where the certificate was withdrawn. To complete the translation you need to enter:
1. Passport of the legal representative of the ditini.
2. Agreement for the purchase and sale of a selected indestructible object.
3. Evidence that is confirmed by the declaration of his power.
4. Named certificate.

All operations related to the use of maternal capital are carried out in a non-prepared way. Their transfer to the cooking form is impossible.

Documents that must be given to the bank

If the applicant has decided that he wants to buy the property himself for a mortgage loan, he must provide the banking organization with the necessary information transfer of documents:

Documents that certify the person of the applicant and his spouse. Obov'yazkova umova for all banks – Availability of the passport of a citizen of the Russian Federation. Any organization requires additional identification of a valid driver's license, personal identification number, or foreign passport.
SNILS all members of the family, including those who have not reached full age.
Certificate, which confirms that the applicant has the right to recover the cost of maternal capital.
Documents that confirm official income. Almost all banking organizations extract a supplement from the 2PDFO form for the rest of their work. When applying for a mortgage loan, the total average is insured clean wages of the co-borrower and the co-borrower.
Documents that confirm the right of authority be some kind of indestructible and indestructible object.
Application about the intention of the legal representative to see the share of moisture for the skin child.

If the registered certificate has been spent before the time of crediting, the owner has the right to issue a duplicate.

Annual analysis of the bank's position in 2018

Name of banking organization	Interest rate (%)	Features of lending
Oschadbank	View 10.9 to 13	The maximum loan term is 30 rubles. The bank has a mind - the larger the cob deposit, the lower the mortgage rate
VTB 24	Type 11.9 to 14.4	The maximum loan term is 50 rubles. The minimum loan amount is 900,000 rubles. The bank obligatorily feeds cob deposits at a rate of 10% depending on the property of the object, regardless of the presence of parent capital
Promzv'yazokbank	Type 9.5 to 13.5	The maximum loan amount is 15,000,000 rubles. Minimum term – 36 months. The maximum term is 300 months. This financial corporation has the opportunity to issue a loan without a down payment
Rossilgospbank	View 9.05	The maximum loan amount is 20,000,000 rubles. The maximum term is up to 30 years. It is possible to obtain a loan with two documents
UniCredit	View 10.4	The maximum loan amount is 9,000,000 rubles. The maximum term is 25 days. Obov'yazkova umova – the presence of cob deposits – 20% of the target's total yield

The monthly rate may be subject to change depending on:

Credit program.
The term credit.
Make the first contribution.
Object type.

Warto believe that for certain categories of citizens, mortgages are given to prominent minds: military personnel, teachers, young families.

About insurance

Giving money to purchase a piece of clothing is a great risk for any financial organization. For these reasons Insurance is an invisible part when taking out a loan.

Insurance is required for the following purposes:

If the client is facing a serious injury or has to spend money, the insurance company deposits the money for it into the bank.
If the owner dies, the apartment will not pass to the bank, but will go to the owner or to a relative.

Insurance is about ensuring reliability and reliability both for the bank and for the applicant himself.

Many banks have this type of service not obligatory If the availability of insurance can significantly improve the chances of obtaining a loan.

Insurance is paid as follows:

Vaughn enter the sumu of the main borg. Our full obligation is paid to the First River. After repayment, the client will pay the bank the amount taken for the purchase of the hearing aid.
Vaughn enter the sumu of the main borg. An additional amount of the monthly payment is paid.
The client buys insurance for military insurance.
The client is subject to additional insurance.

For some organizations, the amount of insurance payment is not adjusted to the monthly rate.

Possible nuances

The Pension Fund plans to spend everything immediately. If you plan to use the sovereign material support as a contribution from the cob, then you need to tell him about your plans no later than a few minutes before laying the land.
To apply for a loan, you can use your maternity capital in full communication. The part of the village where the trees are brought in is categorically fenced. If the holder of the certificate has already spent money on other purposes, it will be impossible to use them for this purpose.
Since in the process of achieving indestructibility the maternal capital takes part, then it cannot be attributed to one individual. The living facility is formalized by all members of the family in equal parts.
After the successful execution, the land was removed unruliness is unwearable in heavy clothes. And this means that any kind of manipulation with it (exchange, sales, division into shares) will only be possible with the permission of the bank.
If the object is located near the outpost of the bank, then It is not possible to register a person who is under age. In case of bankruptcy of the owner of a financial organization, it will be much easier to turn over your rights to the mine.
The Pension Fund's sponsors have the right to assist the client in transferring funds to a bank account for any reason. That one, in your own way, can frustrate your decision.
The minimum cob deposit for all jars is 10%. Since the amount of maternal capital does not cover this size, you will have to contribute the difference yourself.

Important moments

It’s cheaper to buy an apartment with a share price. The amount for one square meter will be lower, lower than that of an already established apartment. Vlasnik has the opportunity to live in Novobudovo with good repairs, installation of glass panes and new pipes. This place has vestments. For example, the activity may be assigned or the housing object does not comply with the specified parameters.

The law enforcement officer can Benefit from additional insurance. After such a decision, the client’s chances of a positive decision significantly decrease. Without this service, seeing a large sum of a financial organization is a great risk. The living person also cannot be absolutely sure that he will be able to earn a payment in the future.

Not all banks are ready to accept maternal capital as soon as possible. A lot of organization is needed to ensure that the successor produces a cob deposit in the designated size. The process of obtaining a mortgage in this case is significantly longer (1 month before due date).

"Black list"

The most common reason for anyone getting credit is a bad credit history. Since the karma of the other person is already sealed, then in order to make a positive decision it is necessary to:

Correct this shortcoming. I’ll completely cover my bull’s craw and try to get in touch with the bank’s representative about being removed from the black list.
Try to take a position from another commercial organization. Most of them do not sign a contract to collect the price of information, because for them the client is important. Varto vrahuvat that in such organizations the minds of crediting are significantly lower than in state-owned organizations.
Contact a mortgage broker or financial advisor as soon as possible.
Get inviolability for payment from the forgetter.

Applying for a loan for the purchase of a home using maternal capital is the most popular type of service. People from many countries were able to get their own little place.

The Ministry of Culture proposed to extend the maternal capital program for 5 years, until 2023. According to statistics, over 60% of families invest their pennies in brightening their living minds. Some use capital to pay off the mortgage, while others spend everything on the first payment for the apartment. Let's take a look at which of these options is best.

Wikoristan rules

You can spend your parent's capital by repaying the mortgage loan you took out regardless of which bank you are on the right with. And not all financial institutions will accept the axis of the government's vision of cob payments, which may lead to difficulties with the opinion of the likes of the minds of mortgage lending.

If my family decided to buy a life on the road, the mother’s capital may not be drained onto the cob contribution, but then, she will have to pay extra. At the beginning, the size of the maternity capital is 453 thousand. rubles, and it is not possible to finance the indexation of the sum in the near future. The initial mortgage contribution is 20-30%, so those who want to settle in the Moscow novobudovo will start from an amount that exceeds 600 thousand. Prices for two-room apartments in the capital start at 3 million rubles, which means that if you find cheaper housing here on the outskirts, you will have to pay at least 150 thousand.

Immediately after replenishing the family, you won’t be able to spend your mother’s capital on cob contributions. According to the current rules, you can only cheat for pennies in this manner if the child has met 3 fates. And you can repay the mortgage immediately after the certificate is revoked.

Maternal capital will not help undisciplined employees get out of work. You cannot spend this amount to pay fines, commissions or penalties for loan agreements. As soon as the stitching has been completed, it must be repaid, and after that you will be able to quickly obtain a certificate. Meta-recovery of funds will have to be not only indicated in the application for the order, but also confirmed with supporting documents.

The procedure for making maternal capital contributions as cob contributions is linked to the payment of additional deposits. From the beginning, the bank is obliged to provide the owner with a loan for the initial deposit in the amount of the parent’s capital. The credit rate at this rate is the same as the current refinancing rate (currently 10% of the current rate). The Pension Fund will repay this loan in just a few months after the payment has been made, and hundreds will need to be paid on its own account. If you are paying off your mortgage, then there will be no additional expenses, so this method of obtaining a certificate is the most suitable.

An example from real life

The Vasenin family obtained a mortgage in the fall of 2016. They took away the certificate for maternity capital from 2012, but they didn’t rush to get it quickly. Spending the pennies like the first deposit was, at first glance, an attractive idea, but the songs of the folding began to fade. First of all, in this case, it would be possible to apply for a mortgage through Oschadbank, for which the family overpaid, and the rest of their account is linked to VTB 24. Otherwise, we will now give the bank a loan of 8 thousand, if possible unique?

In order to apply for a subsidy as the first deposit on a mortgage, you need to obtain from the branch of the Pension Fund a statement about the size of the funds that you have lost, fill out a position, with credit documents and a certificate for the capital will be applied to the deposit. A donation to the Pension Fund for the re-insurance of the bank's assets.

On May 23, 2015, law No. 131-FZ was adopted. It gives the opportunity to direct the capital of the mother's capital to the initial contribution from the mortgage, as the child will receive 3 years.

In order to direct the family capital for the initial contribution from the mortgage, it is necessary to go through the following stages:

extracting evidence from the Pension Fund about the excess funds;
mortgage registration;
transfer to the Pension Fund from a statement about the disposal of the funds of the family capital.

Obtaining a certificate for maternity capital

The package of documents required for obtaining a certificate is submitted to the territorial body of the Pension Fund of Russia (hereinafter referred to as UPFR) for the place of residence (replacement) or actual residence or MFC (). You can enter data on documents and write an application in a special account on the State Services website. Required documents:

a certificate of adoption of a child (or a certificate of adoption);
a document confirming the child’s citizenship of the Russian Federation (certificate of registration at the place of residence (Form 8));
mother's passport (or);
The official representative will have a passport of a citizen of the Russian Federation and a notarized power of attorney, which confirms the renewed importance.

The review lasts one month from the moment of submission. Then you will receive notification by mail that the certificate is ready, and you can pick it up.

Indexation of maternal capital is scheduled until 2020. If you confirm it, the subsidy amount will change automatically; you do not need to change the form.

About the subsidy

Maternal capital is of great help, since it is impossible to withdraw a pittance “living”. All developments are not carried out in unprepared form.

Any schemes for transferring maternity capital into preparation are fraudulent and are subject to Article 159.2 of the Code of the Russian Federation, whereby the defendant faces a fine of 120 thousand rubles, or in the amount of the earnings of this person for one rik. Or 360 years of compulsory labor, or 1 term of corrective labor, or a mental term of up to 2 years, or arrest for 4 months.

Legally, maternity capital was allowed. Since such a payment was made, the money that was lost is no longer possible. Therefore, before submitting documents to the bank, you need to take proof from the UPFR about those who have not received any money from the capital.

In 2017, payments from maternal (family) capital will not be possible.

Vibir bank

Most banks work with parent capital, but not all banks accept initial subsidies. Due to the fact that large credit organizations offer mortgages against capital, families will not have problems with the lender’s request.

Table 1. Brief information for credit institutions

*Name the jar*	*Interest rate*	*Particularly minds*
DeltaCredit	View 11.5%	For the owners of the maternity capital, the cob contribution is 5%. It is possible to change the interest rate by making an additional payment of 1-4% of the loan amount.
	View 10.75%	For electronic registration as part of the Promotion for young families of 9.75%
	Vіd 12%	You can only receive a subsidy if the child has completed 3 years.
Rossilgospbank	View 10.75%	Maternal capital is required to become no less than 10% of the value when purchasing property on the secondary market and 20% on the primary market.
Bank of Moscow	Vіd 10%	Maternal capital accounts for a little more than 15% of the life's total. Obov'yazkovo the presence of hair loss in the size of 5% of the hearing loss level

If the bank, in which one of the employees receives wages, accepts the capital as a first-time contribution, then it is better to return there for the withdrawal of the mortgage. A person is a salary client and can take advantage of easy-to-use loans.

Collection of documents

Well, the bank has been secured. Now you need to prepare the necessary papers. You can apply for a loan:

Since the object of inviolability is not a choice, but the sum of the position is planned approximately (or as much as possible with the family’s income).
As soon as the inviolability is achieved, that sum of posture is the virtuosity of a particular life.

Author: . Legal coverage: Pivnichno-zakhidna branch of the Russian Academy of Justice (St. Petersburg). Dosvid robots since 2010. Contract law, consulting and accounting services, representation of interests with government agencies, banks, notaries.
8 lipnya 2017 roku.

Expanding the law on maternal capital. It is clear that the certificate can now be directly sent to payment of the mortgage contribution. Previously, maternity capital was only allowed to be spent on repaying the main loan and sums for a mortgage loan or position. However, in 2019, households will continue to face difficulties in obtaining a mortgage, since the first contribution to the capital is due, and many banks are introducing additional requirements for processing such a deposit. It is also necessary for the mother to pay attention to direct the maternity capital to pay for the cob deposit, which will pay for everything, but will not go away.

A mortgage loan or position is possible immediately after issuing a certificate for maternal (family) capital (MSC), checking three years from the moment of birth or adoption of another or upcoming child not obov'yazkovo.

Mind paying the first contribution for the rakhunok of the maternal capital

Although the law allows vikoristovvati koshti MSK for payment cob contribution from mortgage, not all banks are ready to issue loans or positions on such minds. The truth is that a certificate for maternity capital is not a reliable guarantee of the applicant’s ability to pay.

Also, credit institutions can cope with other difficulties. At times nevikonnya pozhalnikom credit goiters'yazan:

At the outpost near the bank, a residential area with young rulers will appear. For the implementation of such inviolability, inconsistency arises in the Borg shell.
Such a favor will be easily discredited and found to be ineffective. This can be earned by the guardianship and surveillance authorities, the procurator and the children of the Vlasniks themselves, since after the removal of the burden from their lives, parts were not seen.

Regardless of the risks, the number of banks that issue mortgages with the first deposit for the MSC rate is growing. Obov'yazkovoy umovaya for the rich of them є additional contribution made by the head of the government(in addition to the primary contribution from the benefits of maternity capital), in most cases 5 or 10 hundreds according to the estimated value of life. The minimum cob contribution when obtaining a mortgage with such minds becomes 10 hundreds from the warmth of the indestructibility that bathes.

So, when a family buys a one-room apartment worth 3 million rubles and takes out a mortgage loan from the bank, which receives an initial contribution from the cost of maternal capital in the amount of 15 hundred square meters of living space and also the provision of 5 hundreds of high-pressure products, then the sum of the capital 453026 rubles If you just need to make a deposit for the first one, you will need to pay an additional 150,000 rubles.

The amount for depositing special deposits is often deposited with someone, as the employer confirms his income. Once upon a time updates 2PDFO You may not need to pay a contribution for one round of dry cooking. Placing is confirmed pay attention to the shape of the jar, The most important thing to the employer will be required 10 hundred thousand varosti of life.

Mortgage with support and maternal capital

In 2019 there will be changes in the regulatory framework There are no amendments yet, which would allow vikorystovuvat koshti as cob contributions from mortgages with sovereign support. This means that since 2015, the ability of young families to change their minds in obtaining a mortgage has not increased at all. On the right is that most mortgages are issued with support, so that the state subsidizes part of the interest rate on the purchase of apartments in the primary market of non-deafness.

It is also important to take into account that it is not possible to pay capital or, at a minimum, it is problematic to send the first deposit for a soft mortgage to pay off, according to Olenya Sudarikova, an expert on the largest financial portal in the Russian Federation, Banki.ru. The article about the first results of the rivers revealed that one of the shortcomings of the new program is the inability to recover as the first contribution of maternal capital. According to the expert, such a decision is not logical, since it is believed that the subsidy program is covered by family insurance, such as the wife of a friend or third child.

Procedure for donating capital to pay the first deposit for a mortgage

To direct the MSC funds to pay off the first deposit for the mortgage, It’s not obv’yazkovo to check on the viconny of 3 rocks of children This can be done immediately after issuing a personalized certificate. The indestructibility can be purchased both at the primary market and at the secondary market.

The procedure for disbursing maternity capital to pay the first mortgage payment looks like this:

Contribution to the Pension Fund for a warning about the excess of non-corrosive features of the certificate for maternal capital (do not forget to do so in this order, the document can be brought over a period of 3 months after the application was accepted by the bank).
Submitting an application to the bank, providing the necessary documents.
Select the object of hearing loss (at the same time the application is praised).
Providing documents for the object of indestructibility that is being purchased.
Signing of loan documentation.
Contact Rosreestr for registration of housing rights.
Registration of a housing loan.
Submit a statement about the order to the Pension Fund.
Once a positive decision is made - the re-insurance of the MSC bank's funds will be no later than in a month there will be 10 workers days after registration of the application.

Banks can collect a variety of documents. The standard list looks like this:

MSK certificate.
The Pension Fund's statement about the surplus of non-vicious benefits to the maternity capital (this is the case 30 days after release).
Yakshcho position manager does not confirm income and employment, it is necessary to give:
- Application from the employer.
- Passport with a registration stamp.
- Foreign passport, certified driving license or other document that confirms the person.
At times confirmation of regular income and employment:
- Application from the sponsor (sponsor).
- Passport with a stamp about registration or confirmation of registration at the place of relocation (at times of hourly registration).
- Confirmation of payability and employment - finishing 2-PDFO or finishing in a jar(every month from day to day).
When forcing another object to be inaudible, the documents must be provided.

Documents that are in good condition are allowed to be submitted for 3 months Within days the bank accepted the application for a loan.

When applying for an order to the Pension Fund, you must submit the following documents:

Certificate for maternal capital and its duplicate.
Passport of a citizen of the Russian Federation.
A copy of the loan agreement for the purchase and living life.
A copy of the mortgage agreement that has undergone state registration.
Request to see the family's food to all members of the family.