Legally defined opportunityuse of maternity capital for the purchase of housing. All banks that are engaged in mortgage lending are obliged to accept state certificates to pay interest and / or loan body. For more details on how the mortgage is paid off by the parent capital (documents to the FIU, which are necessary for processing and confirming the transaction, will also be listed) read on.
Материнский капитал (МСК) - это средства бюджета federal level transferred to the FIU for the implementation of state support measures. As a confirmation of the right to receive funds, participants in the program are issued a state sample certificate. You can get it at the local distance of the Pension Fund of Russia at the place of residence.
One of the ways to quickly purchase a dwellingThe property is the use of maternity capital to pay off the mortgage. The documents necessary for processing the transaction are transferred to the Pension Fund of Russia, which decides on the use of MSK funds.
Before considering how the mortgage is repaid by the parent capital, the documents necessary for processing the transaction, let's look at how to get the certificate of ISC.
Материальную помощь от государства может получить the woman with whom the second and subsequent children were born or who were adopted. This category includes fathers who adopted a second child. Money can also get a child without a parent, upon reaching the age of majority. Mandatory conditions:
You can get a certificate at the Pension office.Fund of Russia on the written application of the parent. A copy of the applicant’s passport and birth certificate (adoption) of all children must be attached to the document. The Pension Fund may require additional documents, in particular, if the applicant is a single father. Within a month, the PRF reviews documents and decides on issuing a certificate. Notification is sent to the applicant within 5 days. In case of a positive decision, the document will indicate where and when it will be possible to obtain a certificate.
MSCs are annually indexed for inflation.Funds can be used in whole or in part in several ways. One of them is the improvement of housing conditions. Within this direction funds can be directed to the purchase (construction) of a premise located in the territory of the Russian Federation. For the same purpose, you can take a loan from a bank, and then arrange the repayment of the mortgage by the parent capital. Documents required for the operation will be forwarded. You can dispose of funds after 36 months after the birth or adoption of the second or each subsequent child. Credit can be issued on the mother or father.
The following list of documents for the repayment of mortgage arrears must be submitted to the bank:
The bank should also order a certificate in whichthe amount of debt is indicated by the main part of the debt and interest. Here you can get a certificate of ownership of real estate and an apartment purchase contract. The next stage is the transfer of documents to the Pension Fund.
To repay the loan by public funds, you needprepare and submit certificates to the FIU. A full list of documents for the repayment of the mortgage by the parent capital is presented on the website of the local Pension Fund of Russia. Short list:
Here are some documents for the repayment of the mortgage maternal capital needed.
The law stipulates that only incashless to repay the mortgage by the parent capital. Documents to the Pension Fund of Russia are provided for obtaining permission for cashless transfer of funds. But there are exceptions to this rule. If the family builds a house, then even before starting work, you can get half the amount to the bank account. For the remaining amount, you will have to contact the Pension Fund of Russia and provide a package of documents for the repayment of the mortgage by the parent capital. At the same time between the tranches should take at least six months. Additionally, you need to prepare documents confirming the cost of the work done: contracts with contractors, acts of work performed.
Documents for execution of the statement of disposalfunds are transferred to the territorial office of the Pension Fund. The employee is obliged to provide a receipt stating the number and date of adoption of the document, his full name and position. Within a month, a decision is made to approve or reject the use of MSK and is sent as a notification to the applicant.
Если документы, необходимые для погашения ипотеки maternal capital, incorrectly compiled, provided in an incomplete set or the amount of funds in the MSC exceeds the balance of the debt, it may be refused in the netting. In the notification, the Pension Fund of Russia is obliged to indicate the reason for the refusal. This decision can be appealed in court.
What documents to pay off the maternal mortgagecapital needed for a bank? A written notice from the FIU with permission to use state support funds. If there is a partial repayment of the loan, the borrower must submit to the bank a statement indicating the chosen method of changing the payment schedule:
Pension Fund of Russia is obliged to transferfunds within two months from the date of the decision. Maternity capital can not be used to repay fines, penalties that have arisen as a result of default on the loan. That is, prior to the transfer of funds to the FIU, the borrower is obliged to repay the debt in a timely manner. After the settlement, a new loan repayment schedule is drawn up.
With the help of state aid you can pay a partadvance payment, the body of the loan or interest on it. The first option is not available in every credit institution. Previously, banks attributed customers who could not independently pay the initial payment as insolvent. Today, large financial institutions are making concessions and accept MSCs. It should be noted that the conditions for such loans can hardly be called profitable for borrowers. For such loans provide higher interest rates with a short term loan.
A more acceptable option - the repayment of the loan bodyat the expense of MSCs, since after the amount of the debt is reduced, interest is calculated on the balance of the debt. If the borrower plans to repay it ahead of time, after the settlement, you can reduce the amount of payment.
It is beneficial for the bank if due to the MSCs are redeemedonly interest on the loan. He is guaranteed to receive part of the funds due. The same scheme is beneficial to the client, provided that he does not plan an early repayment of the loan. The amount of the monthly payment is reduced, but only slightly.
The certificate for MSK is issued for an unlimited period.You can get the amount at any time. If the person named in the document has died, the second parent, guardian, or the child himself may use the amount until he is 23 years old.
You can use the means of state aid inany moment. The exceptions are cases where the certificate holder is going to use it to pay the down payment. In this case, it can be used after 36 months after the birth / adoption of the baby. There is another limitation. The list of documents for the repayment of the mortgage by the parent capital should include a certificate from the Pension Fund confirming that the funds of state aid were not used for any other purposes.
Кроме федеральных существуют также региональные programs to improve the demographic situation in the country. For some of them there are special conditions for obtaining (registering) property as property.
After repayment of the loan, the purchased property must be registered in joint ownership with all family members.
The maternity capital program has been launched yetin 2007. Even then it was said that the program would not operate indefinitely. After 8 years, there were first rumors about the termination of certificates. The reason for this was the fact that in 2014 the debt of the Pension Fund of Russia (through which all payments go) amounted to about 1 trillion. rub. During the same period, 200 million rubles was paid for MSK certificates. No final decision has been made. According to preliminary data, it will be possible to receive a certificate until December 31, 188 inclusive, and use it in the next 10 years.
Next year, the following changes are considered in the conditions of the program:
