Mat. capital as a down payment on a mortgage: conditions

The most popular area for using maternity capital is improving housing conditions. The certificate size in 2019 is 453026 rubles, in most cases, this amount is not enough to purchase housing without attracting additional funds, so many families take out mortgages or loans.

Leader in the number of issued mortgage loans remains Sberbank. At the beginning of 2019, the bank offers interest rates from 8,5% before 11,60% (the rate may be lower if the borrower is a participant state program). Depending on what kind of housing is purchased: ready or under construction, the percentage will vary.

Sberbank has systems for increasing and decreasing interest rate, which can be found on the Sberbank website and in the branch when applying for a mortgage.

Required documents

To apply for a loan to the bank, you must provide the following: documentation:

1. Application form.
2. Passport of the borrower and co-borrower(s) with a registration mark;
3. Certificate for maternal capital;
4. Certificate from the Pension Fund about the balance of MSC funds;
5. Confirmation of income and employment;

Proof of income can serve:

• for an employed person - a certificate of income for the last 6 months from the place of work;
• for a pensioner - a certificate of the amount of pension for the last month;
• for an entrepreneur - tax return for the last tax period.

Employment confirm:

• for the main place of work - a copy of the work book, an extract from it or a certificate from the employer with information about the position and length of service;
• for part-time work - a copy of the employment contract (agreement), certified page by page or bound (certified on the last page indicating the number of sheets by the employer);
• for an entrepreneur - a certificate of registration of an individual entrepreneur (if there is no original - a notarized copy), a certificate of inclusion in the Unified Register of Individual Entrepreneurs, a record sheet Unified register IP.

In some cases it may be necessary additional documents listed in the table below.

Can be provided after application approval:

• Documents for the housing for which the loan was taken:
  • contract of sale;
  • equity participation agreement;
• documents confirming an initial fee, if maternity capital is used to pay off the principal amount.

Sberbank provides services for electronic registration of transactions: it independently sends documents to Rossreestr, after which the applicant receives them registered.

Mortgage 6 percent for the birth of 2 children in 2019

The program began operating in 2018 state subsidies mortgages for families in which, during the period from January 1, 2018 to December 31, 2022 the second, third or subsequent child was born (Resolution of the Government of the Russian Federation No. 1711 of December 30, 2017). Such families have the right to apply for a preferential mortgage at a reduced rate - 6% per annum.

The maximum amount of credit (loan) that can be provided:

• 12 million rubles- when purchasing housing in Moscow, St. Petersburg and their regions;
• 6 million rubles- for the purchase of housing in other regions.

The duration of the state subsidy depends on the order of birth of children:

• at the birth of the second child - within 3 years;
• at the birth of a third or subsequent child - within 5 years.

However, the general maximum term preferential mortgage amounts to 8 years. That is, if during the period of the program, first a third child appears in the family, and then a fourth, then the subsidy from the state will be provided not for 10, but for 8 years. After this period, Sberbank will increase the interest rate.

To get a mortgage with a 6% rate, you need to do the following: conditions:

1. The borrower must pay himself at least 20% housing costs.
2. Purchasing an apartment or private house is allowed only on primary market real estate. Housing may be ready for use or unfinished if it is purchased under a participation agreement in shared construction.
3. The borrower's life must be insured by Sberbank Life Insurance LLC or other accredited PJSC Sberbank companies (insurance is required for the entire term of the loan).

How to calculate a mortgage at Sberbank

A preliminary calculation can be made using Sberbank mortgage calculator. It will help you find out the approximate amount of the monthly payment, taking into account the amount of the down payment, the interest rate, the size of the loan and the period for which it is issued.

The final amount of the loan that the bank is ready to provide is calculated individually for each applicant based on confirmation of income (his and the co-borrower’s).

How to pay off a mortgage with maternity capital at Sberbank

After the borrower registers with Sberbank Housing loan and takes a certificate of receipt of a loan (the document indicates the number of the loan agreement, the names of all borrowers and the amount of the mortgage), he needs to contact the Pension Fund (PFR) or the Multifunctional Center (MFC) with an application for disposal and the necessary documents.

General package of documents:

1. Passports of the certificate holder and his spouse.
2. Marriage certificate.
3. If applying through a legal representative, confirm his identity and place of residence.
4. Confirmation of changes in personal data, if any.
5. The obligation to allocate shares to all family members after the removal of the encumbrance.

To direct maternity capital to pay down payment, along with the documents from the main list you must provide:

• a copy of the loan agreement concluded with Sberbank;
• a copy of the mortgage agreement that has passed state registration;
• certificate of loan issuance.

To use maternal capital for repayment principal and interest, the certificate owner provides:

• a copy of the loan agreement for the purchase of housing;
• a copy of the mortgage agreement that has passed state registration;
• extract from the Unified State Register of Real Estate;
• if the housing construction project has not yet been put into operation - a copy of the registered agreement for participation in shared construction, or a copy of the permit for the construction of an individual residential building;
• if the loan is issued to pay the entrance fee and (or) share contribution to the cooperative - confirmation of membership in the cooperative;
• a certificate of the balance of debt and interest debt issued by Sberbank;
• an account statement confirming the non-cash transfer of mortgage funds.

Within a month The Pension Fund of Russia will decide on the transfer of funds to MSK, after which they will be transferred to Sberbank for 10 working days.

Maternity capital funds can be used for full or partial repayment mortgages. If, after the transfer of MSK, the borrower remains in debt, Sberbank will issue a new payment schedule taking into account the remaining amount of debt (at the borrower’s request, the size of the monthly payment or the loan repayment period can be reduced).

A certificate for maternity capital can be used when applying for a mortgage in one of the following options.

1. Repayment of principal and interest on a mortgage agreement. When choosing this option, you should consider the following features: Can't pay fines, penalties accrued for late mortgage payments; it doesn’t matter when you take out a mortgage - whether it was issued before receiving a certificate for maternity capital or after the execution of this document.


2. Paying the down payment on a mortgage loan. Not all credit organizations agree to work according to this scheme, in some cases, borrowers may be offered the option of obtaining a short-term loan for a down payment.


3. Increasing the mortgage amount by the cost of maternity capital. This option is suitable for those whose income does not allow them to obtain the required amount of loan funds.

When can I get a mortgage with maternity capital?

To obtain a housing loan using a maternity capital certificate, you do not need to wait until the child for whom this document was received turns three years old. You can contact the bank immediately after receiving the certificate.

Note! When purchasing an apartment (house) on a mortgage with maternity capital, the specified housing must be registered in the shared ownership of all family members, including children. It is also possible to design notarial consent for the subsequent allocation of shares in property in residential premises.

What documents are needed for a mortgage with maternal capital?

In each specific situation, the package of documents for obtaining a mortgage with maternity capital may vary. Everything will depend on your family situation, the bank you choose, your financial situation and the housing you are purchasing. But in general, the following list of necessary documents can be distinguished:

• an identification document (for example, a passport), in some cases they may also require another document that will confirm your identity, for example, a driver’s license;


• documents confirming your registration at the place of residence (if there is a mark in your passport, then a passport is sufficient);


• documents indicating your financial solvency and employment (work book, certificates from your place of work about your income, etc.);


• documents for housing, which is issued as a mortgage with maternity capital (they can be submitted after your loan application will be approved);


• maternity capital certificate;


• certificate from the Pension Fund of the Russian Federation on the balance of maternity capital.

The latter document is usually valid for no more than 30 days from the date of issue and can be submitted to the bank after the loan is approved.

On the list financial institutions Russian Federation who have the right to work with maternity capital, Sberbank rightfully occupies one of the leading places. The main advantage of using this type of benefit at Sberbank is the possibility of obtaining a housing loan in the amount of 100% of the cost of housing.

Thousands of families have already taken advantage special program"Mortgage plus maternity capital." Until now, funds could only be used to repay an existing mortgage loan. But since 2013, family capital has also been used to make a down payment on both finished and under construction housing. There are several loan programs in which benefits can be used to improve housing conditions.

Sberbank loan programs

How to pay off a mortgage with maternity capital?

Family capital can be used to repay existing mortgage loan.

What steps need to be taken in this direction?

• Receive a standard certificate from a Sberbank branch containing the following information:
  1. The amount of the mortgage balance (principal and interest);
  2. Type of lending;
  3. Data on overdue debts, if any.
• Please contact the nearest branch with this certificate. Pension Fund, where by in the prescribed form you need to write an application for the transfer of maternity capital to pay off the mortgage. The application must be reviewed within 1-2 months, then the benefit will be transferred to the bank as early repayment of part of the mortgage debt.

Detailed description of loan products using maternity capital

Loan for the purchase of finished housing

A loan for finished housing can be provided for a period of up to 30 years inclusive in an amount from 45,000 rubles to 85% of the estimated/contractual value of the property. The down payment is at least 15%.

Advantages:

1. No loan fees;
2. Insurance against various risks of collateral is mandatory;
3. The housing being financed or any other property can be used as collateral;
4. Three people can be involved as co-borrowers (the amount of their income will affect the amount of the possible loan);
5. Benefits are expected in the form of a reduced interest rate and softer requirements in terms of proof of employment of the borrower.

The disadvantages include:

1. Strict requirements for borrowers. To obtain a mortgage, the minimum length of service at your last place of employment must be 6 months, total seniority- at least 1 year;
2. To confirm income, an extensive package of documents is provided: a certificate in form 2-NDFL, a tax return, a certificate of receipt of a pension. Only official income is taken into account: wage at the main/second place of work, declared profit from business and a number social payments: pensions, temporary disability benefits.

Loan for the purchase of housing under construction
Most of the conditions for this credit program similar to the previous one with all the advantages and disadvantages. The main differences include the procedure for registering a pledge.

Any premises other than the one being financed are accepted as collateral. During the entire lending period there is a single credit rate. When registering housing under construction as collateral until the mortgage is registered, the interest rate increases by 1%. If the loan amount is less than 300,000 rubles, registration of housing as collateral is not required.

What are the conditions for obtaining a mortgage loan from Sberbank using maternity capital?

The main conditions for obtaining a mortgage from Sberbank are the following:

1. Only the holder of the certificate will be able to become an applicant for the transfer of maternity capital funds; he must personally present this document to the bank.
2. Sberbank issues a mortgage loan for the purpose of purchasing square meters on secondary market housing and new buildings.
3. When purchasing an apartment, it is mandatory to register a general shared ownership all members of the borrower’s family: husband, wife and all children (optional), establishing a specific share for each of them.

Within 6 months from the date of granting the loan, you should contact the nearest branch of the Pension Fund of the Russian Federation with an application regarding the transfer of maternity capital funds to repay the loan and interest on it.

List of documents for obtaining a mortgage

When applying for a mortgage loan from Sberbank, you will need a number of documents: a standard set and an additional one, in accordance with the provisions of the “Mortgage plus maternity capital” program.

Standard package of documents:

1. Application form of the borrower on the Bank's letterhead;
2. Application form of a co-borrower/guarantor/mortgagor of an individual;
3. Copies of all pages of the passport of the borrower, guarantor and/or Pledgor with presentation of the original;
4. Documents related to employment and financial situation borrower/co-borrower/guarantor, which indicates the amount of the Borrower’s income and guarantor and deductions from them:
   • Those working at enterprises provide a certificate of employment for the last six months on Bank letterhead;
   • Those working for individual entrepreneurs - a certificate for 6 months on the Bank's letterhead, a document in form 2-NFDL and an employment contract.
5. Documents relating to the purchased real estate, in particular, the purchase and sale agreement, a copy of the certificate of state registration the seller's ownership rights to the apartment, an extract from the Unified State Register of Rights to real estate and transactions with him and others;
6. A certificate certifying the availability of the down payment (this can be an account statement or payment receipts).

For a loan amount exceeding 200,000 rubles, a guarantee from a spouse is required.

Additional package of documents for the “Mortgage plus maternity capital” program:

1. State certificate for receiving maternity (family) capital.
2. A document on the balance of family capital in the applicant’s account, provided by the branch of the Pension Fund of the Russian Federation. It must be provided no later than 4 months from the date the Bank adopted a resolution on the possibility of issuing a mortgage loan.
3. Certificate of income of the applicant himself and his co-borrowers.

Examples of repaying mortgage loans using matkapital

Purchase of housing under construction

Let's say the borrower's average monthly income for 6 months is 40,000 rubles. with a loan term of 120 months, a down payment of 50% and the start of payments on 06/13/2014. In this case, we get the following payout algorithm:

Purchase of finished housing

Let’s say the borrower’s average monthly income for 6 months is 30,000 rubles. with a loan term of 60 months, a down payment of 50% and the start of payments on 06/13/2014. In this case, we get the following payout algorithm:

How to get a loan and pay a down payment?

Those wishing to use maternity capital as a down payment on a mortgage at Sberbank must provide two documents to the bank: the certificate itself and the document from territorial office Pension Fund about the balance of maternity capital.

This certificate is submitted to the nearest branch of the Pension Fund, where, according to the established form, you need to write an application for the transfer of maternity capital as a down payment. After reviewing the application necessary funds will be transferred to the bank.

Today, more and more young and large families are considering the option of purchasing a home under the “Mortgage plus Maternity Capital” program, because it allows you to significantly save on costs and reduce the overall overpayment on the loan. We remind you that in this year for the second or subsequent child you can get 453,026 rubles.

How to get a loan?

Note that MK is not issued for each child following the first, as many parents think, but only once in the life of the mother or father, depending on who is involved in the registration. The funds received can be used to pay off the down payment on the mortgage, pay its interest or principal. In addition, this money can also be used to build your own residential house.

How to get a housing loan using MSK funds? To do this you need:

• choose several options for real estate that suit your requirements and capabilities, decide on the loan amount you need,
• Next you need to find a banking organization that can offer you the necessary cash under profitable terms lending. In particular, pay attention to the interest rate; your final overpayment depends on it,
• Be sure to check whether the accommodation you choose is suitable for them. For example, some companies do not lend to houses with wooden coverings, or apartments in an old building (over 20 years old);
• if you and the bank are happy with everything, you sign loan agreement. If the terms provide for this, contribute part of your funds to pay the down payment on the mortgage,
• Only after the agreement is concluded and you have the details of the credit account in your hands, do you go with all the papers to the Pension Fund of the Russian Federation and write there an application for the transfer of money from financial capital to the bank to repay the debt. Your application is reviewed within 10 days, and if all the data is correct, payment will be sent directly to the bank.

For those who want to take advantage of the “Mortgage plus maternity capital” offer, you must first select suitable bank and program, provide credit specialist a package of documents with a certificate from the Pension Fund of the Russian Federation, and then contact the Pension Fund branch and write an application to transfer funds to the bank account.

Which banks operate under the mortgage + maternity capital program?

Let’s immediately make a reservation that not everyone is ready to wait for the decision of the Pension Fund and whether the fund will transfer money to them or not. You can find the most favorable conditions in those companies that cooperate with AHML and offer options according to the standards of this state organization.

Here's what we can offer:

1. Transcapitalbank— here you can get a mortgage for housing under construction or finished housing, and at the same time use MSC funds. Minimum bid starts from 8.7% per year, issue up to 50 million rubles for a period of up to 25 years. Down payment from 20%, you can borrow using 2 documents without proof of income;
2. Delta Credit Bank— this organization has programs for purchasing an apartment, a share in the primary or secondary market. The rate starts from 8.75% per year, the down payment is from 15%, the contract can be concluded for a period of up to 25 years;
3. Fora-Bank offers enough low percentage for its clients - from 8.75% per annum. The amount is issued from 600 thousand for Moscow and from 300 thousand for the regions for a period of 3 to 25 years. The minimum initial deposit is only 5%. You can apply for a loan using just 1 document. When paying a one-time commission, the rate is reduced;
4. IN Sberbank of Russia for young and large families eligible to receive MK, there is a special reduced rate - from 9.2% per annum. At the same time, they can take advantage of a reduced down payment of 20% of the cost of housing. It is possible to draw up an agreement for a period of up to 30 years; you will find all the bank's programs;
5. Rosselkhozbank offers its clients options where MK can be used to pay the down payment or the “body” of the loan. Rate - from 9.3% per year, PV of at least 10%, amount varies from 100 thousand to 20 million rubles with long period lending up to 30 years. You can find out more in this article;
6. IN FC Otkritie The “Apartment + Maternity Capital” program is in effect. You can receive from 500 thousand to 30 million rubles for a period from 5 to 30 years. If you choose ready-made housing, the percentage varies from 9.3% to 12.25%, and if a new building - from 9.35 to 15.35% per year. The minimum PV is 10%. Please note that there is a one-time commission of 2.5% of the loan amount. All options can be found in;
7. IN VTB Bank They issue money for the purchase of housing in a new building or on the secondary market at an interest rate of 9.5% per year. Maternal capital can be used to pay the first installment from 20% of your funds, you need at least 10%, the validity period is from 3 to 30 years, you can find out more on this page;
8. At Primsotsbank you will be able to be offered the program “Mortgage for maternity capital, which is issued exclusively for the implementation of the state certificate. Its size is from 100 thousand and no more than 453 thousand rubles, which must be returned within 3-6 months. Valid at 12% per year, PV from 10%, details
9. AK Bars Bank— here you can get a loan for exactly the amount equal to your certificate. Duration - up to six months, percentage is 17% (increase if insurance is canceled), issued from 100 thousand, initial funds - from 10%;
10. Severgazbank— from this company you can get a loan to buy an apartment, share or room, as well as a house or cottage with land. The basic interest is 26% per annum, you need to deposit own funds at least 20%. Amount - from 200 thousand, the contract is concluded for 4 months.

To preliminary calculate your loan, we recommend using an online calculator:

You can use our advanced calculator with the ability to build a payment schedule and calculate early repayment at

Interested in credit mortgage programs Sberbank? Do you expect to use maternity capital funds when applying for a loan?

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Let's look at how to get a mortgage in this case from this bank in 2019. For most families, a mortgage is the only option for purchasing a home.

But it is often necessary to attract additional money, including maternal capital. The process of obtaining such a mortgage from banks is labor-intensive and involves extensive paperwork. What conditions does Sberbank offer to its clients?

What you need to know

Maternity capital is assistance that can be used to purchase housing. Let's determine which regulations need to be analyzed in order to use the certificate when applying for a mortgage. We will indicate the main pros and cons of the deal.

Required terms

Maternity capital is understood as the measure state support Russian family with 2 or more children.

The duration of this program is from 2007 to 2019. A mortgage is considered to be a form in which collateral real estate will remain in the possession of the borrower.

If he fails to fulfill his obligations in accordance with the agreement, then the property passes to the creditor, and he has the right to sell it.

A mortgage loan is one of the components mortgage system. When a person receives a loan to purchase real estate, this real estate becomes the subject of collateral.

Advantages and disadvantages of such a purchase

Let's list all the features of the procedure to weigh the pros and cons:

Current standards

Let's list legislative acts that may help when considering this issue:

The following Orders of the Ministry of Health and Social Development and the Ministry of Labor of Russia are relevant:

How to get a mortgage using maternity capital from Sberbank

Sberbank occupies far from the last place among banks that have the right to provide maternity capital. Typically, this benefit is used to buy housing for 100 percent of its price.

Now it is possible to make a down payment using maternity capital funds.

Credit programs

Maternity capital can be used for several purposes. Most often, families use such funds to buy housing with a mortgage or pay off a loan that has already been issued.

Sberbank is ready to offer 2 programs. Mortgage plus maternity capital is suitable for those who have already taken out or are planning to take out a loan for a residential property.

Programs:

1. Purchasing a finished residential property on the secondary market.
2. Purchasing a property that is still under construction.

The subsidy money pays off the loan itself and interest, and is also used to pay the down payment.

But the certificate cannot be used to pay penalties, fines, and penalties if the bank client does not fulfill his obligations in accordance with.

The conditions for each program are almost identical. Only the interest rate and the list of required certificates differ.

Prerequisites

Mandatory conditions for obtaining a mortgage using maternity capital from Sberbank:

The loan amount in each situation is calculated individually. And, by the way, the loan is issued only in rubles and at a time.

Conditions under which customer lending is carried out:

Persons who apply for a loan receive more favorable lending conditions:

• for a period of up to 10 years;
• with a down payment of more than 50%;
• and receive earnings through Sberbank.

It is advisable to take out a mortgage based on 2 documents:

• if you need a quick decision on granting a loan;
• if the payment of the first installment will be paid using funds;
• if, when submitting certificates to the institution, the citizen does not have an extract from the Pension Fund on the remaining amount and does not have a certificate of earnings.

Registration procedure

The actions are:

There is no other way to cash out maternity capital. The applicant also cannot use the funds earlier.

You can submit an application to Sberbank at your location, location immovable object, the place where the employing company is accredited.

The payment is annuity - the client pays a certain amount every month. Although the bank allows early repayment without imposing fines or commissions.

If a person does not make payment on time, the penalty amount will be 20% per annum. For the amount that was paid on the loan, the person has the right to receive.

Required condition bank - the certificate holder must use maternity capital within 6 months after registration.

Conclusion of a mortgage agreement

Even before signing the mortgage agreement, the borrower must clearly determine what kind of real estate he will buy.

The commission will evaluate the housing and draw up a package of certificates, based on which a decision will be made on issuing credit funds.

First the client must provide .

Then only an agreement is drawn up with the bank. If Sberbank does not approve the preliminary contract, it will not conclude a loan agreement.

Possibility of loan repayment using MK

Payment with maternity capital credit obligations done like this:

Does the bank give money for construction?

Not prescribed by law separate rules for obtaining a loan during the construction of a house.

Construction improves living conditions, which means maternity capital can be used.

The procedure for obtaining a mortgage is no different from that which occurs when purchasing a finished residential property. The only caveat is that the housing being built cannot be used as collateral.