Capital loan
To borrow from the bank under the maternity capitalpossible, but only for the purchase, construction or reconstruction of housing. According to 256-FZ, state material support cannot be used to obtain a consumer loan. Consumer is considered a loan for the purchase of furniture, household appliances, travel and car loans.
What is the maternity capital obligation?
Если вы хотите получить долгосрочный займ с with the help of state funding, you need to give the bank a certificate and a certificate (issued by the Pension Fund) about the presence or balance of the parent capital. A financial institution reviews a mortgage / loan application from 2 to 7 business days. Housing should be made into the property of both parents and children. If this condition is not fulfilled (there is no registration of an apartment / house for the whole family, only for one person), then responsibility arises in accordance with the Legislation of the Russian Federation. You will need to visit a notary and make a written commitment on the parent capital.
- The initial amount of the contribution can reach 10% of the total cost of housing.
- The maximum crediting period can be up to 30 years.
- Guarantors are not needed.
- Interest rate if you fulfill the conditionsinsurance, from 9.5% to 12% per annum. If you decide to do without insurance, then from 10% to 12%. But the final percentage will depend on individual circumstances.
- The main thing is to write and notarize the maternity capital obligation.
The procedure for calculating the amount
Based on customer solvency by employeesfinancial institution calculates how much mortgage lending the bank can provide. In order for the funds of the parent capital to be directed to the initial payment or repayment of a part of the mortgage, together with the application, you must provide a certificate to Sberbank.
Maternity loan in Sberbank, aimed at building housing
The bank gives you the opportunity to start building a newhousing or buying an apartment in an already under construction house, using government support. Moreover, the maternity capital can be used as a down payment, and go to the gradual repayment of the entire amount.
Money transaction
Six months after registration and approvalrequest for a mortgage, you must write an application to the Pension Fund to transfer the money of the parent capital to a bank account. I note that these conditions apply throughout the territory of Russia.
In comparison with a conventional mortgage, a loan undergovernment support is more profitable. It does not matter whether you build or acquire housing. Convenient loan under the maternity capital in Sberbank so that you do not need to look for money for the initial payment - you have a certificate. The following option is also possible: direct the first part of the maternity capital to the first large installment, and the second to redeem interest. But this option is not always approved, it all depends on the solvency.
