DeltaCredit Bank has developed the program "Lending with maternity capital" especially for families who plan to get a mortgage, having a certificate for maternal capital.
Program "Lending with family capital" from DeltaCredit Bank
Conditions
According to the terms of this program, family capital funds can be used to partially repay the mortgage ahead of schedule. For a down payment, it will be enough to have only 5% of the cost of the acquired residential premises. Assessing the solvency of each individual client, as well as the cost of purchased housing and the amount of maternity capital, the bank determines how much can be offered as a loan.
To take advantage of this credit program, the client or his spouse (wife) must have a certificate for family capital. After providing information from pension fund on the amount of the balance of family capital, the bank makes a decision on granting a loan. Then the capital funds should be directed to partial early repayment loan within a year from the date of the loan.
The loan can be issued in rubles and US dollars, and its size and interest rate also depend on the loan term, region of residence, percentage own funds when purchasing a home.
Advantages and disadvantages
The main benefits of this program include: low interest down payment. The disadvantages include the limited size of the loan.
The documents
To apply for a mortgage, you must have the following documents:
- passport (copies of all pages);
- a copy of the certificate for maternity capital;
- TIN certificate;
- education document;
- military ID for men under 27 who do not have solidary co-borrowers or guarantors;
- a copy of the work book;
- certificate from the place of work in the form 2-NDFL;
- title documents for housing;
- an extract from the Unified State Register of Real Estate Rights stating that there is no encumbrance on the dwelling.
Example
If a person who does not live in Moscow and St. Petersburg, and also not in the respective regions, takes out a mortgage with the attraction of capital funds for 10 years, buying an apartment for 4 million rubles, but having half of the necessary funds, then monthly payment will be 28,200 rubles, and the total income of co-borrowers must be at least 56 thousand rubles.
When making mortgage loan maternal capital can be directed to an initial fee or partial early repayment of the mortgage. The first installment can be 10% lower compared to the terms of standard programs.
The program is designed for families with two or more children. Going to improve living conditions with the involvement of a mortgage with maternity capital in Rosbank, you will be able to:
a) reduce the amount of own funds required initially for the purchase of housing;
b) save time: funds are transferred to the bank account by non-cash payment from the Pension Fund;
c) optimize the terms of the mortgage - using maternity capital for partial early repayment, the amount can be reduced monthly payments or loan term (at the choice of the borrower).
Mortgage borrower requirements
Clients wishing to take a mortgage (housing loan) against maternity capital must meet the following requirements.
-
general or basic established bank for any program: age from 20 years old at the time of registration and up to 65 years old at the time of redemption, confirmation seniority(at least 6 months at the last place of work) and solvency.
-
Private, provided for by the special program "Lending taking into account maternity (family) capital": the presence of an appropriate state certificate for and a certificate from the Pension Fund of the Russian Federation on the amount of funds due to you.
What can you buy in a mortgage for maternity capital?
Real estate is available for lending both in the primary and secondary markets. By type of housing, this can be an apartment, a share in an apartment, a room, Vacation home. Rosbank programs allow potential borrower choose the option of living space, starting from your wishes and possibilities.
For example, living outside the city is becoming more and more popular, especially among large families with children. Having issued a mortgage (housing loan) against maternity capital for a country house, you will ensure yourself space, the beauty of nature, clean air and independence from neighbors without giving up comfort - houses in modern villages have the necessary communications, they are warm and reliable.
Take a mortgage under maternity capital for a share in an apartment or a room on secondary market- means to expand the existing living space (if, for example, we are talking about the last share) or take care of the future (invest in a loan to purchase a separate home for a growing child).
And of course, within the framework of the program, you can get a mortgage under maternity capital for the most popular type of real estate - an apartment. In the case of the "secondary" this is an opportunity not to postpone the move and not to wait for the development of the area's infrastructure; housing under construction has a lower cost square meter and initially a small down payment, which, with a mortgage under maternity capital, can be further reduced. You can check with our specialists for more detailed information.
Whatever market and type of real estate you are interested in, a loan from our bank will help you to realize your plans and make a long-awaited purchase. Don't miss your chance because mortgage credit lending with maternity capital and additional options - this is a convenient and effective tool for solving the housing problem.
Check out the special offer of Rosbank
When making mortgage loan maternity capital can be used for a down payment or partial early repayment of a mortgage. The first installment can be 10% lower compared to the terms of standard programs.
The program is designed for families with two or more children. If you are going to improve your living conditions by attracting a mortgage with maternity capital in Rosbank, you will be able to:
a) reduce the amount of own funds required initially for the purchase of housing;
b) save time: funds are transferred to the bank account by non-cash payment from the Pension Fund;
c) optimize mortgage conditions - using maternity capital for partial early repayment, the amount of monthly payments or the loan term (at the choice of the borrower) can be reduced.
Mortgage borrower requirements
Clients wishing to take a mortgage (housing loan) against maternity capital must meet the following requirements.
-
General, or basic, established by the bank for any program: age from 20 years old at the time of registration and up to 65 years old at the time of repayment, proof of work experience (at least 6 months at the last place of work) and solvency.
-
Private, provided for by the special program "Lending taking into account maternity (family) capital": the presence of an appropriate state certificate for and a certificate from the Pension Fund of the Russian Federation on the amount of funds due to you.
What can you buy in a mortgage for maternity capital?
Real estate is available for lending both in the primary and secondary markets. According to the type of housing, this can be an apartment, a share in an apartment, a room, a country house. Rosbank's programs allow a potential borrower to choose a housing option, based on their wishes and capabilities.
For example, living outside the city is becoming more and more popular, especially among large families with children. Having issued a mortgage (housing loan) against maternity capital for a country house, you will ensure yourself space, the beauty of nature, clean air and independence from neighbors without giving up comfort - houses in modern villages have the necessary communications, they are warm and reliable.
Taking a mortgage under maternity capital for a share in an apartment or a room in the secondary market means expanding the existing living space (if, for example, we are talking about the last share) or taking care of the future (investing in a loan to purchase a separate housing for a growing child).
And of course, within the framework of the program, you can get a mortgage under maternity capital for the most popular type of real estate - an apartment. In the case of the "secondary" this is an opportunity not to postpone the move and not to wait for the development of the area's infrastructure; housing under construction has a lower cost per square meter and initially a small down payment, which can be further reduced with a mortgage under maternity capital. You can check with our specialists for more detailed information.
Whatever market and type of real estate you are interested in, a loan from our bank will help you to realize your plans and make a long-awaited purchase. Do not miss your chance, because mortgage lending with maternity capital and additional options is a convenient and effective tool for solving the housing problem.
Check out the special offer of Rosbank
