How can I get a loan for mat capital. Loan for maternity capital: bank conditions

Hello! In this article, we will tell you whether it is possible to take a loan under maternity capital.

Today you will learn:

1. Is it possible to get a loan under the mat. capital;
2. Which banks issue such loans;
3. How is this type of loan processed?

With the help of such a tool as maternity capital, the state supports families that raise two or more children. Such payments have been made since 2007. Today we will discuss whether it is possible to get a loan under the funds of maternity capital.

Maternity capital loan: how legal is it?

We note right away: issuance of cash on the security of funds mat. capital is illegal. But there are lending programs that allow you to use it to varying degrees.

In addition, we clarify that the owner of the certificate cannot manage finances personally. The FIU is responsible for conducting and tracking all transactions. He also allows the use of funds or refuses to do so.

Until the FIU employees approve the loan transaction, it does not comply with the law. You will not be able to dispose of the funds without notifying the fund, since the money is in the accounts and only the PFR withdraws it from there.

The decision on whether the funds will be transferred is not made instantly, but within 1-2 months. In this regard, many banking institutions are not very fond of working with mate funds. capital.

Now consider the benefits of using these tools:

• Often such lending is the only way to improve living conditions;
• Availability of funds. capital allows you to speed up the settlement of debt obligations;
• When contacting a banking organization, you can count on receiving reduced interest rates, as well as other preferential offers.

Target loans for maternity capital

Not all loans can be repaid with mat. capital. Only such types of loans that are related to housing needs can be repaid with these funds.

Most often under the mat. capital is issued by the following loans:

• Target loans for construction and reconstruction of real estate.

Now let's talk about each such loan in more detail.

Mortgage credit lending

With family capital, you can pay the first installment or pay off the main debt.

This is available in many banking organizations, but they all impose a number of requirements on the borrower:

• Your income must be stable and confirmed;
• It is better if the credit history is good;
• You must have a certain amount of experience in your last job.

In this case, the FIU also imposes some requirements. The property you want to buy must have a certain status, be located on the territory of our country.

After the purchase, you must register it in the shared ownership of all family members, along with minor children.

Real estate loan

In this situation, everything is also coordinated with the FIU. For example, if you decide to buy a country summer house, the PFR specialists will definitely not approve such a deal. In addition, the level of wear of the selected object should not be more than 50%.

Targeted loan for construction or reconstruction

We note right away that the amount of family capital will not be able to cover all expenses. But still in the process of construction or repair is very useful.

In such a situation, there is one important nuance: the land on which you decide to build a house must be in your property, otherwise legal problems may arise.

If we talk about reconstruction, then at the expense of state funds it is possible only:

• Increase area;
• Attach rooms;
• Build a floor;
• Make an attic out of the attic room and so on.

It will not be possible to carry out major repairs at the expense of these funds.

Getting a loan without waiting for the child's 3rd birthday

Use mat. capital until your baby is 3 years old, perhaps, but only if you want to take out a mortgage loan, a loan for a house or an apartment.

Of course, the mortgage in this respect enjoys an undeniable advantage.

Repayment of consumer loans with family capital

Proposals to expand the list of permitted areas for the use of mat. capital are submitted to the State Duma on a regular basis, but none of them was adopted, all of them currently have the status of projects.

As for the regions, in some of them the opportunity to use mat. capital is somewhat wider. But this is where the region's money is being spent, and not from the federal budget.

For example, in some regions it is possible by means of a mat. capital to repay a loan that was taken to purchase large goods: furniture, expensive household appliances.

Also in the Smolensk region, it is allowed to use part of the family capital to repay loans for cars, but this is within the competence of the regional authorities.

Is it possible to take a cash loan under the funds of MK

There can be only one answer to this question - no!

Cash and family capital funds are incompatible and mutually exclusive concepts. When it comes to the targeted use of financial resources, only cashless payments are acceptable.

Those who are trying, using various fraudulent schemes, to cash out the checkmate. capital, facing criminal penalties. The minimum is a large fine together with the return of all cashed money, the maximum is more than 5 years in prison.

Even 2-3 years ago in microfinance companies it was possible to take a loan against a mat. capital. Since 2015, these transactions have been illegal. A decree to limit such operations was signed by the President.

This is a necessary measure, since the number of abuses in this area has increased on a catastrophic scale.

We take a loan under the mat. capital: step by step guide

In order to apply for such a loan, certain rules must be followed. All papers must be executed without errors, and the lending process itself is monitored by PFR specialists.

Approach the procedure responsibly, additionally clarify the following points in advance:

• The property that you buy will need to be registered for all family members, including children;
• It is impossible to repay a loan taken from an MFI with family capital;
• You can apply for a loan only if you are the mother of the child, his father or an official adoptive parent.

Questions about the issuance of such loans are decided on a purely individual basis. The banking organization wants guarantees for the repayment of the loan, and the PFR employees must be sure that the money is working towards a good goal - the living conditions of children will be improved.

Step 1. We are looking for a suitable banking organization and determine the type of lending.

In fact, not many banking organizations are currently ready to issue loans against mat. capital. This is primarily due to the economic situation that has developed in the state.

But approximately 10-12 banks have such financial products. A little further we will talk about them.

Your goal is to choose a loan that will be the most beneficial for you and your family.

We have already discussed the requirements that banking organizations impose, it is now worth mentioning the documentation package that you must collect. It is not universal, each bank may require different papers.

So you need to provide:

• Original and photocopy of certificate capital;
• A statement of your income for six months;
• Your passport;
• Documentation for the object you want to buy;
• A certificate confirming the income of the second spouse or close relatives, if they will act as co-borrowers.

Then contact the FIU. Although it is better to do this before you start looking for a bank.

Enlist the consent of the FIU in advance, this will save time.

Step 2. We coordinate the receipt of a loan with the Pension Fund.

If this has not been done before, then do it now. Without the approval of the FIU, the transaction will still not take place.

Provide fund specialists with:

• The passport;
• Documents confirming the birth of children;
• Account details for transferring funds;
• Certificate.

And most importantly, the statement. You fill it out in the PFR department, then in the prescribed form.

Step 3. We draw up a loan.

In the process of drawing up the contract, clarify the information on interest rates, find out all the incomprehensible points, carefully study each page of the contract.

Reading diagonally here will do a disservice, you need to read very carefully. Especially everything that is written in small print, placed in notes and so on.

Step 4. We carry out transaction insurance.

This is required by almost every bank. For some, it is enough that there will be only insurance against loss of a job, others require a full range of insurance.

Step 5. We fulfill the terms of the contract.

Your responsibility is to consistently make deductions and avoid delays. In this case, the banking organization will treat you much more loyally.

What is more profitable to get: a regular loan or a mortgage loan

Everything will depend on how much you need. If it exceeds 500,000 rubles, then it is better to opt for a mortgage loan.

Also pay attention to monthly payments.: their size should not be more than 30-40% of your income.

An important point is that real estate purchased with a mortgage is accompanied by an encumbrance. This means that various manipulations with it are limited until the loan is repaid.

If you look at the level of overpayment, it is more profitable to issue a regular loan. For him, it is about 50%, for a mortgage it can be all 250%.

Do banks give maternity capital loans?

Not all banking organizations are ready to work with maternity capital funds. We propose to consider those that have a high reliability rating and continue to issue loans under the MK.

First of all, here is a list of them:

• Rosselkhozbank;
• Sberbank;
• VTB 24;
• Alfa Bank;
• Sovcombank;
• Deltacredit;
• Opening;
• Unicredit.

The terms of lending are presented in the form of a table.

How to get a loan under mat. capital without income statement

This option is available if you wish. Agree, there are various reasons why it is not possible to provide an income certificate.

Among them are:

• You have a regular, but not official income;
• You are a freelancer (in this case, you simply have no one to get a certificate from);
• You do not want to confirm your income through the Federal Tax Service.

A banking organization may well issue a mortgage, taking into account the funds of the mat. capital, if the borrower is a single mother who pays the first installment with family capital.

This, by the way, is quite a profitable option. In particular, this can be done by contacting Sberbank.

As supporting documents, it will be enough for you to present a certificate for the mat. capital and a certificate from the Pension Fund, which confirms the availability of funds in your account.

The only thing is that the loan rate in this case will be slightly higher than the base one.

Conclusion

At the end of today's conversation, we note that loans against mat. capital is an affordable financial instrument for certificate holders who want to spend money on improving family living conditions.

I would also like to give a little advice: apply for a loan only after you have fully studied all the nuances, interest rates, and most importantly, the terms of the contract. Of course, ideally, it is better to consult on this topic with professionals who can explain all the points you do not understand.

The topic of the competent use of maternity capital continues to haunt the minds of our compatriots. Is it possible to repay a loan with maternity capital? How to get a mortgage under maternity capital? What can be done with mother capital in relation to loans and what cannot be done categorically? You will receive answers to these and many other questions regarding loans for maternity money in our article.

What is maternity capital

Maternal (aka family) capital is a form of state support for families in which a second, third or subsequent child is born.

The program has been operating since 2007, and it is constantly being extended. In 2018, the program to support young families was extended until 2021, and then until the end of 2026.

If your first or second child was born in your family, you have the right to apply for mother capital. To get it, you need to issue a special certificate. Certificates for mother capital are issued in the pension fund. This document confirms the right of the family to receive state support.

The amount of maternity capital is 453 thousand rubles. Previously, it was indexed, so it increased every year. In 2018, indexation was canceled, but since January 2020 it has been indexed to 466,617 rubles.

Who can get matkapital:

1. Mother of children. Gets the default certificate.
2. Father or adoptive parent - in case the mother died or she was deprived of parental rights.
3. Children. Full-time students up to 23 years of age. As long as they don't have guardians. If there are two or more children, the amount of maternity capital between them
   will be divided into equal parts.

Attention! Maternity capital is not cash. Owners of the certificate do not have the right to dispose of funds on their own. The spending of money is controlled by the pension fund and makes sure that they are spent for their intended purpose. For example, buying a new iPhone with this money will definitely not work.

Can I get a home equity loan?

Not all parents know that maternity capital can be spent on paying off loans. True, there are some limitations.

According to the law, mother capital can be used in the following areas:

1. Improvement of living conditions. Including buying a new home, rebuilding or renovating an old one, paying off a debt on a real estate loan, as well as making the first payment on a mortgage.
2. Payment for education. The certificate can be used to pay for education only in Russia. The main condition is the presence of a state educational institution.
3. Mother's retirement savings. Money can be invested in a non-state pension fund.
4. Adaptation of children with disabilities in society. Purchase of services and goods that contribute to the socialization of children with disabilities.

Types of loans that can be obtained under maternity capital

Most often, matkapital is used related to the improvement of living conditions.

Let us consider in more detail all types of loans that are issued under maternity capital.

Mortgage

This is the most common type of lending in which it is allowed to use maternity capital.

It can be used both for the down payment and for repayment of the main debt. The main thing is to confirm to the bank that you have not yet spent your mother's capital on other needs. To do this, it is enough for a credit institution to provide an extract from the pension fund on the state of your account.

To buy a home

It is allowed to spend public money or houses in both the primary and secondary markets.

But there are limitations:

1. You can't buy unfinished property. The reason is the high risk that the developer will go bankrupt and will not put the house into operation.
2. You need to prove that the property is habitable.
3. The house or apartment must have plumbing and heating. If not, the property is considered uninhabitable.

For construction and renovation

The construction or reconstruction of residential real estate is the improvement of living conditions. For these purposes, you can get a bank loan, and maternity capital can be used to pay the first installment or part of the debt.

Construction loans are secured by real estate, cars or securities. If there is no collateral, the bank is unlikely to approve such a loan.

It is easier to get a loan for reconstruction. If the loan amount slightly exceeds the amount of the mother's capital, the presence of collateral is not a prerequisite for banks.

Important. The pension fund has a condition - real estate is issued to all family members without exception.

Is it possible to cash out maternity capital?

There are several legitimate ways to "cash out" the money that is stored on the certificate. Let's consider them in detail.

Payments for the second child

The family is entitled to receive monthly payments after the birth of the second child. The amount is calculated individually, it depends on the income of the family, the region and the age of the child.

Conditions for receiving monthly payments:

1. The second child in the family. They also pay for the first one, but not from maternity capital. You can cash out money from the certificate in this way only after the birth of the second child. For example, if a third or fourth child was born, you will not be able to receive money in your hands.
2. The child is not older than three years. If he is already three years old or is about to turn three, there will be no payments.
3. Income of each working family member does not exceed 1.5 living wages.

The amount is calculated individually, it depends on the income of the family, the region and the age of the child. For example, the average monthly payment in Moscow is 14,200 rubles, and in Belgorod - 8,200 rubles.

Reference. Parents themselves decide how to spend this money - at least for vacation, at least for food. The pension fund does not control this in any way.

For building a house

As a rule, the pension fund immediately sends money to the developer or to the bank if they are credit. But if you carry out construction or reconstruction on your own, they will be sent to your bank card.

The main condition is that the building must be residential, not necessarily within the city. If you have an apartment, you can build a cottage. In six months, the pension fund will compensate you for the construction costs, and the money can be spent on anything.

This is a completely legal process. The main difficulty here is in the paperwork. To get everything right, consult with a pension fund lawyer.

Through the purchase of real estate

Services for cashing out mother's capital through a fictitious purchase of real estate are offered by special companies, and even large housing agencies. But more often than not, it's a risky adventure.

1. First, because such transactions can be fraudulent.
2. Secondly, the prosecutor's office and the pension fund will check the details of such a transaction.

The second option is to buy an apartment from relatives. They continue to live in it, but the housing already belongs to your family. Part of the money to compensate for the purchase will be paid to you by the pension fund from the maternity capital. However, children must have their own shares in the purchased apartment - only then the transaction will be recognized as valid.

If you bought a ruined house in the countryside, you may be suspected of fraud and forced to return the money to the pension fund. Now the PFR employees carefully check every property associated with mother capital!

Important. It will not be possible to re-register the apartment back to relatives before the age of majority of the children. The pension fund and guardianship authorities will not allow this, because the children are co-owners of housing.

Is it possible to repay consumer loans with maternity capital

There is an opinion that only a mortgage can be paid with maternity capital, but this is not entirely true. The main thing here is not the type of lending, but its purpose. If the purpose of the loan is the improvement of living conditions, the social adaptation of disabled children or the education of children, it can be repaid with maternity capital.

Attention. Maternal capital is allowed to pay any target loan, if it does not contradict the law "On additional measures to support families with children." They can even repay several loans at the same time, including those that were taken before the birth of the child.

Often maternity capital repays consumer loans aimed at the rehabilitation of disabled children. But the lending process is not easy. First, parents make purchases with their own funds or take out a loan. Then they apply to the pension fund, and if everything is in order with the documents, the expenses are reimbursed from the maternity capital. How this money will be spent in the future, the family decides on its own.

Cons of paying off consumer loans with maternity capital:

1. The principle of cost compensation is observed. First, you take out a loan, pay from your own funds, and only then will the state compensate you for your expenses. In some cases, money can be obtained to repay the loan, but the first installment is made from your own funds, because the pension fund needs to prove that you have issued a targeted loan.
2. If the paperwork is not completed correctly, it will be more difficult to receive compensation.

Conditions of banks on loans under maternity capital

Most often, the bank does not care if you have maternity capital or not. If there is, this is a plus, but not a guarantee that the lender will approve the loan.

Banks know that mother capital can only be spent on certain types of consumer loans - for example, mortgages.

Bank programs differ, as do their requirements for borrowers. Usually they depend on the loan amount, terms, presence or absence of collateral.

Bank requirements:

1. Solvency. If you have a maternity capital, but do not have a job or a stable source of income, you will not be approved for a loan.
2. Good credit history. If it has dark spots, lending may be denied.
3. The purposes of lending do not contradict the law “On Additional Measures to Support Families with Children”. For example, if you want to pay off your mother's capital for iPhones bought for the whole family, the bank will not approve such a loan.
4. Registration in the region in which the loan is issued.

The documents

What documents are needed to apply for a loan:

• passport of a citizen of the Russian Federation;
• TIN code;
• for men - a military ID;
• documents confirming the presence of a stable income;
• documents for, when it comes to secured lending;
• maternity capital certificate;
• certificate from the pension fund on the exact amount of maternity capital.

Attention. Banks may require you to provide additional documents - for example, a work book or an account statement from another bank.

Step-by-step guide: how to get a loan for maternity capital

To apply for a loan under the mother capital, you need to collect documents in advance and act in accordance with the instructions below. This step by step guide will help you get it right.

General provisions that you need to know before contacting the bank:

• it is forbidden to repay family capital to microfinance organizations (MFIs);
• if a loan is issued for residential real estate, all family members are recorded as owners;
• a mother, father, guardian or child can apply for a loan.

Remember: the bank needs guarantees that you will repay the loan and interest on it on time, and the pension fund needs guarantees that the money will be spent on a good purpose - improving the family's standard of living.

Step 1. Choose a bank

At this stage, your task is to choose the most advantageous offer for you.

Please note that not all banks issue loans under the mother capital. Lending programs are constantly changing and updating, so it is better to personally check this information with representatives of a credit institution. The information on the site may no longer be relevant, so check the terms of lending under mother capital with employees by phone or at a bank branch.

To find the best deals, use the Banki.ru portal. Here is collected all the relevant information for the selection of interesting proposals.

Step 2. We apply to the pension fund

The pension fund must issue a permit to use family capital to repay the loan. Without this permission, it will not be possible to use mother capital, since this is public money for the intended purpose.

Without permission, the bank will not take into account the availability of mother capital when considering your application.

To obtain a document, the borrower must provide:

• the passport;
• documents for children - for example, their birth certificates;
• if money is needed to repay an existing loan - a copy of the loan agreement;
• statement.

Step 3. We issue a loan

When all the documents are ready, it's time to go to the bank and apply for a loan.

Read the contract carefully. Ask a bank employee to calculate the total cost of the loan, taking into account all commissions and the cost of servicing the account. It happens that the lender offers a low interest rate, but is more expensive than similar offers in other banks.

When the loan is approved, try to properly fulfill your obligations to the bank - pay the debt on time and comply with all the terms of the agreement.

Conclusion

Maternity capital is one of the forms of state support that families receive after the birth of their first or subsequent child.

Matkapital is not cash. To use them, you need to get permission from the pension fund. If there is such permission, the money can be used for the down payment on the loan or to pay off the main part of the debt. The main condition is that these funds should be used to improve the living conditions of the family, the rehabilitation of disabled children or education.

Remember: the presence of mother capital is not a guarantee that the bank will approve the loan. For a financial institution, the main thing is the reliability and solvency of the borrower.

Since 2007, a support system has been operating in Russia, which is designed for families with 2 or more children. The main goal of maternity family capital is to improve the lives of its owners. Funds can be spent on improving housing conditions, paying for the education of children or forming a mother's pension.

The program has been working for 10 years, but still many do not quite understand the principles of its use. Now you can get a loan for maternity capital. Reviews indicate that if you know all the subtleties of this procedure, no difficulties will arise. Loans are issued for the construction or reconstruction of residential facilities, as well as for their purchase. Now there is an opportunity to get a mortgage at a favorable interest rate.

concept

Many make out a loan for maternity capital in cash. This is a financial transaction in which the bank provides specific amounts to the family. Maternity capital is used to pay off a loan or close a debt.

The transfer of funds from the financial institution to the recipient is controlled by the Pension Fund. He also approves applications. If the fund allowed to transfer funds to pay the loan, then you need to choose the appropriate bank and complete the transaction.

Types of loans

The state program for obtaining maternity capital was adopted to help families in which a second child was born. The state provides a list of directions for receiving it. It is important to issue a targeted loan, which involves indicating in the loan agreement the very direction of the use of funds. Reports must be submitted to the social security authorities.

A loan can be obtained to improve housing conditions. You can use it on:

• Getting a mortgage.
• Shared ownership.
• Building your own home.

By law, it is allowed to pay with money from the maternity capital of a mortgage that was issued before the birth of a second child. And it doesn’t matter who the loan was issued to: the mother or the father. There are no government restrictions on this issue.

Legality of the deal

The pension fund controls whether the norms of the law are observed, according to which it is possible to issue a loan for maternity capital. Reviews confirm the need for a legitimate deal, since violations in this area are severely punished. Loans are issued after the approval of the application by the Pension Fund. Only then will the transaction be considered legal.

Refusal to pay funds may be due to the following reasons:

• Incorrect filling of the application.
• Errors in documentation or illegal documents.
• Misappropriation of loans.

The loan must be used strictly for its intended purpose. And this is confirmed by official documents.

Failure cases

Although confirmation from the Pension Fund is required, banks still put forward their own conditions. Only if they are observed, you can get a loan for maternity capital. Reviews confirm that it will not work to get a loan in the following cases:

• There is no stable income.
• There is no official salary.
• There are difficulties with the payment of previous loans.

The pension fund considers the application for 2-3 months. If you build housing on your own, then you need to submit documents before the start of the construction season. The procedure for obtaining funds is quite complicated, but customers are provided with long payment terms and low rates. Some banks offer special conditions and preferential programs for large families. They have the opportunity to get a profitable mortgage.

Terms

A loan is the receipt of money that must be repaid with interest. Loans are provided only by banks, while loans are issued by financial institutions, individuals, and the state. This is the difference between services. Under what conditions is a loan for maternity capital issued? Reviews indicate that you need to spend money on increasing the square meters of housing or a purchased object.

Loan processing may be earlier, and with the birth of a second child, the debt should be paid with the help of maternity capital. If the house is built independently or reconstructed, then it will be possible to receive the necessary funds in the PF 3 years after the birth of 2 children. A targeted loan for maternity capital is issued based on the norms of the Civil Code of the Russian Federation. The certificate allows you to pay the principal amount and interest. The procedure is carried out in a non-cash way: the Pension Fund transfers funds to the organization that issues the loan.

Applying for a loan up to the age of three

By law, you can apply for a housing loan for maternity capital after the second child is 3 years old. But in this case, there is a way out when you can use the funds after receiving the certificate. If the money will be spent on the purchase of housing, it is better to choose mortgage lending.

As already mentioned, about two years ago, a bill was adopted, according to which it was possible to use maternity capital money on an already issued mortgage, as well as transfer the first payment after the birth of a second child. If you deposit these funds, it reduces the time for paying off the debt. This opportunity makes life easier for families whose housing problem has not been resolved.

Maternity capital allows you to close the main part of the debt and interest. If there is a delay, penalties, fines, they will need to be paid on their own. From the funds provided by law, you can pay both the entire housing loan for maternity capital, and part of it. You can leave a certain amount, as it is indexed every year.

Housing construction and renovation

A targeted loan for maternity capital for the reconstruction of a house that is already owned. But it is necessary to correctly arrange these works. When they are performed, they must be documented. Renovation work involves an increase in the living area of ​​the building.

It turns out that the funds cannot be spent on replacing windows, plumbing, floors, wallpaper. Funding can be used after the child is 2 years old. But the work may be completed earlier. It is necessary to coordinate actions with the FIU and document all expenses, and receive compensation from the 3rd birthday of the child.

Restrictions

Before you take out a home equity loan, you need to familiarize yourself with the restrictions. When applying for it, you need to fulfill several requirements of the PF:

• Purchased property must be the property of all children and parents in equal shares.
• You can pay off the debt, issued before receiving the certificate.
• Can't pay debts
• Although the certificate is issued to the mother, the father, as well as the person who adopted the children, has the right to use it.

Applying for a loan at Sberbank

A loan is issued for maternity capital in Sberbank. This procedure has the following features:

• The bank must make sure that the client pays the debt. Therefore, it is necessary to prepare proof of solvency.
• The amount issued by the bank, as well as the funds from the certificate with the family income are summed up.
• Over the next 6 months, you must submit an application to the FIU for the transfer of funds to pay the mortgage. This must be done as soon as possible, since interest is transferred from this amount.

Such loans are also offered in other banks. The conditions in each institution may vary slightly, but in general the procedure is similar. If the clients meet all the requirements, then they are approved for loans.

Required documents

To apply for a loan for maternity capital - at Sberbank or another institution - you need to collect some documents. Their list includes:

• Certificate.
• Spouses' passports.
• Marriage certificate.
• SNILS.
• Loan agreements.
• Bank statements.
• Loan application.
• Property certificate.
• Confirmation of the transfer of funds by non-cash method.

Taking an urgent loan for maternity capital, a young family acquires its own comfortable housing. Before applying, you need to familiarize yourself with the terms of the loan, so that in the future there will be no difficulties. It is advisable to consider the programs of several banks, and then choose the most suitable one.

Before transferring the certificate funds, you need to decide for which area the money is needed. After all, in addition to improving housing conditions, the program is intended for other purposes. Keep in mind that the amount increases every year. This money is a great investment for the future.

Among the many Russian banks, only a small part has developed a program and issues loans for maternity capital. Before you apply to them for support to improve your living conditions, carefully read the list of institutions that will officially, without deceit and sky-high offers, give you funds as a mortgage.

Banks that provide loans for maternity capital:

The specialists of these banks have received special training in order to clearly understand the intricacies of mortgage lending and provide advice to clients at the highest level.

Bank of Moscow

The Bank of Moscow offers two areas of mortgage use of maternity capital - "Ready housing" and "Housing under construction".

You can learn more about what the Bank of Moscow has to offer on the about page.

Sberbank

Today, Sberbank has extensive experience in working with mortgages. It performs lending for virtually all home improvement programs.

You can learn more about the capabilities of Sberbank clients on the about page.

UniCredit Bank

UniCredit Bank has developed two programs that allow you to attract maternity capital funds for the purchase of housing - "Loan for the purchase of an apartment" and "Credit for the purchase of a cottage".

DeltaCredit Bank

DeltaCredit Bank has developed the program "Lending with maternity capital" especially for families who plan to get a mortgage, having a maternity capital certificate.

VTB 24

VTB 24 Bank issues a loan amount derived from your income and maternity capital. By receiving the funds under the certificate, you partially repay the mortgage debt.

You can learn more about the possibilities of VTB Bank clients on the about page.

Nomos Bank

Nomos-Bank has developed two ways to attract family capital and mortgage loans to improve living conditions.

You can learn more about the conditions provided by Nomos-Bank on the about page.

Primsotsbank

Primsotsbank has developed a mortgage lending program, taking into account the possibility of using maternity capital, and provides an opportunity to purchase an apartment, as well as payment under an equity participation agreement in construction in those construction projects that are accredited by the bank.

What do you think we should expect or not?

The amount of maternity capital is subject to periodic indexation, in 2017 it will amount to 453,026 rubles, but, according to Article 12 No. 444-FZ, this amount will be frozen until January 1, 2020.

Families do not receive cash; the certificate for maternity capital can only be used in a targeted manner without issuing funds in hand. But you can find firms that offer loans against capital and even its cashing out. Let's take a look at these suggestions. He is who they come from, whether the issuance of a loan against a certificate is legal, the mechanism itself and the specifics of such lending.

On the reality of obtaining a conventional loan for maternity capital

Citizens who wish to receive a loan for materkapital, as a standard, see this scheme as follows: they apply to the company, give it a certificate as collateral and receive cash for this with the condition of return with accrued interest. This is how a standard secured loan in a bank works, only banks accept real estate as collateral, less often borrowers' cars. With a certificate for maternity capital, it is impossible to get a loan in this way.

Why does a credit company need collateral? In order to sell this collateral in case of non-payment of the loan by the borrower and thereby ensure the return of funds. And what can a credit institution do if the certificate is the collateral? Nothing at all. The certificate cannot be sold, and only the person who received it (a particular family) can use it. And then, you can legally use it only for the purchase of real estate.

So, you should not even count on classical schemes.

It is impossible to come to the firm, give the certificate and receive money, even in the form of a loan.

This paper is valuable only for the family , for a credit institution - it's just a piece of paper that has no value. Accordingly, you cannot get a loan secured by it.

If you call an ad that promises you an urgent loan for maternity capital, you will immediately understand that this is far from an easy deal. This is a whole scheme of bypassing the current legislation. And all the same, everything will revolve around the acquisition of real estate. In fact, you will not even be offered a loan, but cashing out maternity capital. That is, you can not come, pledge a certificate and get cash.

What loan is really available for maternity capital?

There is a completely legal scheme for issuing a loan against matkapital. It is completely different from what most citizens who are interested in such a question imagine it to be. Real estate agencies, microfinance organizations and other financial-type companies are engaged in issuing loans.

What is the whole point of such transactions?

What is the purpose of such a loan? The loan is indeed issued, but it is inextricably linked with a real desire to use the certificate to buy real estate. The process of buying a home using capital will be greatly delayed, since the PFR transfers money to the real estate seller within two months (it is the PFR that regulates all issues related to capital, checks the legal purity of the transaction, transfers money).

Many sellers are not satisfied with such long terms, so the buyer takes a loan from the company for maternity capital. But this is not money in hand: the company pays off with the seller at its own expense, and the loan itself is repaid after the PFR transfers the money.

Simply put, the diagram looks like this:

1. The buyer finds housing that he wants to purchase with maternity capital.
2. He turns to the company, concludes an agreement with it.
3. The transaction is registered with Rosreestr.
4. After the company immediately transfers the amount of capital to the seller, a loan agreement is concluded with the buyer.
5. The buyer carries documents for registration with the FIU.
6. Within two months, the PFR transfers money to the company that issued the loan.
7. After that, the loan is considered repaid.

As seen, there is no mention of any cash withdrawal. This is a classic loan for maternity capital, which is offered by numerous firms and real estate agencies.

The bottom line is that the company retains a part of the mother's capital. Typically, the commission for issuing such a loan is 30,000-50,000 rubles. That is, if the capital is 453,000 rubles, and the commission is 50,000 rubles, then the company transfers to the seller not the entire amount of capital, but only 403,000 rubles. The PFR, after, transfers the entire amount - 453,000 rubles, which will be wholly owned by the company.

All other schemes will not be legal loans. If, when using various frauds, the owner of the certificate receives cash, then this will no longer be a loan, but cashing out.

Gray Cash Out Schemes and Consequences

If you decide to cash out maternity capital, you must understand that these are illegal actions.. If fraudulent activity is discovered, you can get a criminal record. The applicable article for this act is 159.2 of the Criminal Code of the Russian Federation Fraud in receiving benefits payments, the maximum punishment is 10 years in prison. In addition, you will be obliged to return the money to the state. So, think a hundred times before contacting firms that offer cashing out.

Such firms are also usually hidden under maternity capital loans ads. They cannot indicate in the announcement about the fact of cashing out, since these are illegal actions, therefore they use the wording “Loan”.

Have you seen these ads?

How the classic cash out scheme works:

1. The company, which often acts as a real estate agency, finds a residential property with a low price tag far outside the city. For example, 50,000 rubles. Sometimes these houses are already issued to citizens close to the agency-firm.
2. There is a standard process of acquiring such real estate using a certificate for maternity capital. Only in the contract of sale does not appear the real price of the house at 50,000 rubles, but 453,000 rubles (the amount of capital).
3. The seller, who is often a figurehead, receives the money from the FIU within two months and hands it over to the agency.
4. The cost of the house and the agency commission are deducted from the amount of capital, the rest of the money is transferred to the former owner of the certificate.
5. The house remains in the ownership of the former owner of the certificate. It is issued in shared ownership for all family members, as required by law.

The firm can transfer funds after their transfer to the FIU or immediately after the registration of the purchase and sale transaction. It is clear that if the money is issued immediately, then this is the company's own funds, so the commission in this case may be higher. In general, the commission for such transactions is quite large. The intermediary can take up to 30-50% of the face value of the capital and even more.

What will the citizen actually get? If the capital is 453,000 rubles, and the house costs 50,000 rubles, then the amount of 403,000 rubles will be cashed out. If the commission is 50%, then the intermediary company will take 203,000 rubles for itself, and the former owner of the certificate will receive exactly the same amount.

Beware of scammers!

In this area of ​​activity, there are many fraudulent firms that are engaged in deceiving citizens. They cash out capital, but do not give the received funds to citizens.

The calculation is simple: the citizen violated the law by applying the cashing out scheme, so he obviously will not go to the police to file a statement about fraud, he himself acted as a fraudster.

Standard fraudulent cashing is carried out by the same method as above. An unsuspecting citizen concludes a sale and purchase agreement and then waits for the transfer of money from the FIU in order to receive cash later. Only now no one is going to give him cash. The PFR transfers the money to a front seller, so the entire amount of maternity capital ends up in the hands of scammers. The unfortunate citizen cannot do anything, however, some dilapidated house remains in his property.

Fraudulent schemes may look different, this is not the only scenario. Remember that when making a cash out, you rely only on the honesty of the firm that helps you.