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Where to get a loan under mat capital. Is it possible to take a cash loan under maternity capital

According to the provisions of the current regulatory legal acts, the funds of the mother capital can be used when applying for a mortgage and repaying it. However, this is true when credit money goes to the use of residential real estate. Simple consumer loans cannot be closed with the help of budgetary funds.

Provides several ways to dispose of matkapitalom. In particular, we are talking about:

Purchase of residential real estate.
Making mortgage payments.
Teaching children in Russian educational institutions.
Purchasing items for the treatment and social adaptation of disabled children.
Mother's pension.

These are all possible ways to use budgetary funds.

Important! There are many ads on the Internet about the possibility of cashing out budget money. In fact, it is impossible to cash out, which scammers are well aware of. Responsibility for violation of the law is provided Art. 159.2 of the Criminal Code of the Russian Federation. It includes a fine of up to 120 tr., as well as corrective labor for one year or imprisonment for two years.

It is worth noting that according to Art. 104.1 of the Criminal Code of the Russian Federation, maternity capital funds that have been cashed out are not subject to confiscation. This is money that is used in the interests of the family. However, the family will have to return this money through a civil process. There are many precedents when judges ruled on the return of money to the state for illegal receipt of them.

Thus, in order not to find yourself in a difficult situation, you should not cash out the funds of maternity capital. It is much more profitable to apply to the FIU and, on a general basis, submit documents for the disposal of budget money.

What loans can be taken under maternity capital

Federal Law No. 256 allows you to use family capital to improve living conditions. Thus, it is possible to issue:

mortgage.
Loan to MFI.
Consumer credit.

It is worth considering each lending option in more detail in order to comply with the law.

Important! Today it is possible to obtain loans against family capital in cash legally. But the contract should include that the money received will be spent on the purchase of residential real estate.

Registration of a mortgage under maternity capital

It is possible to use the funds of mother capital when applying for a loan and when it has already been issued at the time of receiving family capital. According to , these funds can be used in the form of a deposit to the seller or partial / complete closure of the loan.

Matkapital and deposit when buying residential property

When using these funds in this way, it is highly recommended to conclude an agreement with a real estate agency to reduce the risks during the transaction. These companies have realtors, lawyers and other specialists who guarantee the purity of the transaction. Federal Law No. 256 requires that you first register the right of ownership, and then the transfer is already carried out. Thus, you need to take the following steps to manage your money:

Choose a bank for a mortgage.
Consult with a banking specialist about the features of cooperation with the organization.
Apply and provide guarantors and co-borrowers.
Get a response from the bank and find a suitable property.
Sign a preliminary contract with the seller.
Contact the bank to complete the transaction.
Appeal to the PFR department for filing documents for the disposal of public money. They will be sent to the seller.

The bank requires as one of the documents a receipt or other documents confirming the transfer down payment documentation. In this case, they are of a formal nature, since in fact the seller can receive money only after the transaction is completed, which is prescribed in an additional agreement to the contract. The real estate agency acts as a guarantor that the transaction will be carried out in accordance with applicable law.

The bank usually requires the following documents:

Identification documents of the borrower, co-borrower and guarantors.
Income data for the last six months.
A document for a real estate object to be credited (cadastral and technical passports, a building permit, a construction company license, an approved plan, and much more, depending on the property).
Documents confirming the conclusion of marriage and the birth of children.
Receipt for receipt by the seller of the deposit.
Certificate for the right to receive mother capital.
Preliminary contract of sale.

After checking the documents, a loan is issued.

Important! The seller cannot receive mortgage funds in his hands immediately, they remain in the bank cell rented by the buyer. According to Federal Law No. 102 on mortgages and on registration of rights to real estate, these funds can be received only after the transfer of ownership. That is, the seller must provide an extract from the USRR and a passport to receive his money.

After registration, you must contact the FIU to transfer funds to the seller. For this you need to provide:

Passport of the applicant and SNILS of the applicant and children.
Certificates confirming marriage and birth of children.
Papers required for the property.
Certificate for the right to receive money from the state.
Contract of sale.
Credit agreement.
A notarized commitment, on the basis of which parents must provide their children with a share in housing after fulfilling financial obligations to the bank.
Details for the implementation of the transfer.
Application of the established form.

If the request is refused, the transaction is canceled on the basis of an additional agreement, which is drawn up by lawyers of the real estate agency in such cases.

Matkapital and early repayment of the mortgage

Federal Law No. 256 also allows you to use budget money for early repayment of a mortgage that was issued before receiving a certificate for family capital. The order is as follows:

Obtaining a certificate from the bank on the balance of the debt on the model of the PFR (it is recommended to take a sample in advance).
Applying to the FIU and providing a full package of documents.
Waiting for a response from the FIU.
Transfer of funds.

Specialists need 30 days to review the application. The same amount of time is required for the translation. You need to submit the following documents to the FIU:

Mother's passport and SNILS.
SNILS of children.
Documents confirming the fact of marriage and the birth of children.
Information about the balance of the debt.
Cadastral and technical passports.
Notarial obligation to allocate shares to children.
Certificate confirming the right to receive budgetary funds.
Application in the prescribed form.
Bank details.
Agreement with a bank for a home loan.

Important! Based Federal Law No. 102, the money received from the PFR to repay the debt, if they are maternity capital, are written off without acceptance. That is, the borrower does not need to write applications for writing off funds.

Loans and consumer loans under maternity capital

Micro financial institutions and banks are actively issuing consumer loans under maternal capital. Based on consumer lending, money is given to customers in cash for personal needs. However, if the contract specifies the specific purpose of using the money, then you can try to use maternity capital for partial or full early repayment. Art. 819 of the Civil Code of the Russian Federation makes the following requirements for the loan agreement:

The indication of the parties.
Specifying the loan amount.
Place of conclusion of the contract.
Debt repayment procedure.
Obligations and rights of the parties.
Payment Methods.
A place to resolve disputes in court.
Details of the parties and signatures.

The contract must indicate that the money from the microloan or consumer loan is used to purchase residential real estate. It is required to indicate the address of the object and owners. Only with the availability of this data is it likely that the FIU will approve the transfer of funds to repay the loan. However, the probability of failure is quite high.

Art. 25 FZ No. 102 states that the mortgage agreement must be secured. Credited or other real estate is accepted as collateral. Consumer loans do not require collateral, so there is no encumbrance on housing. Thus, it is possible to circumvent the law and not provide children with a share in the purchased apartment or house. It is as a result of infringement of the rights of children that the PFR may refuse to provide maternity capital funds.

Features of filing an application for the disposal of budget money

An application for disposal of mother capital can be downloaded on the PFR website (or you can download it). It is filled without blots. The presence of any blot is the basis for refusal to provide payment. If you have any doubts when filling out a certain item, then it is better to leave it and fill it out with a Pension Fund specialist. Here's how to complete the application:

The surname is indicated, and in brackets the maiden name, first name and patronymic of the mother of the children.
Status of the applicant (mother, father, guardian).
SNILS of the applicant.
Certificate identification data.
Authority issuing the certificate.
Passport showing all his identification data.
Address of the place of registration in the form: index - name of the region Russian Federation- settlement - street - houses - apartment.
The address of the place of actual residence, if it differs from the place of registration.
Dates of birth of children.
Amount to pay out.
Indicate if there are restrictions that may prevent you from receiving a payment.
Description of attached documents.
Contact phone numbers.

The FIU officer must endorse this document and stamp it.

Important! The application must be submitted exclusively by the mother. If she is deceased or deprived of parental rights, then the father or guardian may be the applicant. If a trustee applies, then he must have a notarized power of attorney. The cost of such a document usually does not exceed 2000 rubles.

When can I get a loan on a passport under maternity capital

This can only be done in two cases:

Apply for a loan at a microfinance organization, where the contract will indicate that the money is taken to buy a home.
If the bank does not need to provide this document.

When working with MFIs, the following nuances must be taken into account:

The maximum loan amount, depending on the status of the lender, is 1 million rubles or 1.5 million rubles.
The maximum loan term is 1 year.
It is possible to extend the contract, but this service is paid.

Important! As collateral, you must provide the existing or acquired real estate. This type of loans cannot be issued online; they are issued exclusively at the offices of the lender. No initial deposit is required, however, according to Federal Law No. 353, you must provide up to 3 additional guarantors.

When is issued consumer credit in a bank or a mortgage without a certificate of income, interest rate increases. Here are some banks where this document is optional for some programs:

Promsvyazbank.
Bank Zenith.

On specialized sites dedicated to lending, you can find up-to-date information at the time of applying for a loan. It is updated once a month, so there is full list banks and other companies that lend money to buy housing under maternity capital.

Important! The maximum loan term in banks depends on the company itself. Usually it is 20-30 years old. But at the time of the full closing of the loan, the title borrower and guarantors must be less than 65 years old.

Features of obtaining a loan for maternity capital in Sberbank and Rosselkhozbank

These are banks with a large share of state capital, so they are fully integrated into existing state programs. That is why they provide several special programs for the purchase of residential real estate using maternity capital. In particular, young families can get a loan at 12% per annum for up to 25 years. Here are the requirements you need to meet:

Russian citizenship.
Age from 21 to 35 years (in some regions up to 30 years).
Having income on a monthly basis.
The presence of children.
official marriage.
Obtaining the status of a young family.
The state is registered with the self-government bodies, as a family that needs to improve its living conditions.

To become in need of new housing, candidates must apply to the responsible territorial authority. This is a housing department located in the district administration. There you write an application and attach a complete package of documents to it:

Passports of both parents.
Certificates of marriage and birth of children.
Certificate of family composition, confirming that all family members are registered in one place.
Documents for housing in which candidates now live.
Certificate from the traffic police on the presence or absence of a personal car.
Documents from the BTI about the type of house, layout, area.
Extract from the EGRP.
Certificates of income of all residents of a particular housing area.
Statement.

The decision is made within a month. If you are recognized as in need of better living conditions, then an appropriate certificate is provided. It will need to be provided with other papers that are required by Sberbank or Rosselkhozbank in order to receive a reduced mortgage rate.

Video - How to get a loan for maternity capital

Mortgage or consumer credit - which is more profitable?

If you do not use the funds of mother capital, then a consumer loan is more profitable, since then there is no need to pledge the acquired object. But when you are going to use the family's capital to buy a home or to pay off a loan ahead of schedule, it is highly recommended to take out a mortgage. This will prevent unnecessary problems in the FIU during the disposal of public money. You need to prove that a regular loan was taken specifically for the purchase of housing, and if this is not spelled out in the contract, then it is almost impossible to do so.

As for consumer loans, which are written about in various announcements, it is better not to issue them. Fraudsters today use many different ways to cash out. However, as practice shows, you find yourself guilty of a situation, get a term for violating Art. 159.2 of the Criminal Code of the Russian Federation and forced to return the entire amount of matkapital to the state.

Thus, all transactions with maternity capital are best done through real estate agencies. They employ experienced professionals who at any stage will tell you exactly what needs to be done and how to properly sell or buy real estate in a particular case.

Video - Maternity capital with a mortgage: the pros and cons

A loan of money for maternity capital is a service that is in demand among low-income families. The downside of the transaction is the targeted use of funds and a number of "pitfalls" that the borrower should take into account. Below we will consider the intricacies of a loan for maternity capital, how to urgently apply for a loan, and which institutions offer the service.

The subtleties of the procedure

The state allows citizens to use their mother's capital to improve their living conditions, invest money in the educational process, transfer it to a pension account in the future, and so on. A loan for this money is a type of lending that a credit institution issues to the holder of a certificate for mother capital. The money is used to pay the down payment on a loan or to repay the principal of a debt. The transfer of the required amount is handled by the Pension Fund, which resolves issues related to the use of such money. If the PFR gives approval for a loan of money for maternity capital, the issue is considered resolved (with subsequent approval of the bank).

What does the law say?

A loan against mother capital is legal if the operation is approved by the Pension Fund of the Russian Federation. The use of this money bypassing the FIU is prohibited. By the way, it will not be possible to implement this task without the participation of the Pension Fund, because the money is in special accounts, and their use is strictly controlled by the employees of the organization.

There are three parties involved in every transaction:

Certificate holder.
banking institution.
Pension Fund.

Borrowing money for maternity capital is not possible until there is an approval from the pension fund. In addition, there is a risk of refusal to receive money due to erroneous execution of the application, errors in the papers, with the inappropriate nature of the loan and other problems. The purpose of the loan is of key importance. If money is required for the construction (reconstruction) of housing, the decision is made within two to three months. And it is worth remembering that the requirements for the borrower are put forward by the FIU and the bank that issues the loan.

When looking for phone numbers for a loan of money for maternity capital, it is worth considering that the funds are available after the baby reaches the age of 3. An exception is cases of mortgage loans, when a financial resource is used to purchase a home.

Making a loan under mother capital is available for solving such problems:

Purchase of real estate (subject to registration of housing in common ownership).
Loan payments for the construction or purchase of an object (if the money was taken before the birth of the second child).
Construction and reconstruction of housing.

Pi this loan is available to the official adoptive parent or parents.

Registration procedure

To get a home equity loan, follow these steps:

Collect and transfer papers to the FIU. Here you will need a certificate for mother capital, a birth certificate for a baby, a passport, a loan agreement (copy), an application for using money on a loan. This package will also be required by the bank (including a certificate of income).
Select a lending institution. Favorable lending programs are offered by the following financial institutions - Unicredit, Bank of Moscow, VTB24, DeltaCredit and others.
Draw up an agreement. It is important for the lender that the borrower has a stable income, work and no delays. If the applicant's income is low, a co-borrower will be required.
Insure the loan (mandatory requirement of banks). Options are possible here - life insurance, real estate, job loss and so on.
Make payments. To avoid fines and commissions, it is worth paying debts on time. Borrowers recommend not spending the entire capital, but leaving 30% in case of force majeure.

Results

If you come across phone numbers of people who lend money for maternity capital, ignore such options. It is highly likely that scammers are hiding under the ads. The best solution is cooperation with banks.

There are many rumors in the air about maternity capital, but what is mat capital, where can it be spent, how to get a loan for maternity capital in cash, a mortgage or a loan to buy a home?

Let's figure it out!

Maternal capital- This is a state subsidy, legally enshrined in the Federal Law-256 of December 29, 2006, and paid, starting in 2007, to Russian families with more than one own or adopted child. You can use maternity capital only once.

The purpose of these subsidies- the solution to the demographic catastrophe in Russia.

The amount of maternity capital is indexed annually, so in 2007 it was 250,000 rubles, and in 2016 - 453,000 rubles.

Math capital indexing table.

Who is eligible to receive:

a man or woman (either together or separately) who has given birth to or adopted more than one child
You can receive a subsidy only for the second child or any other subsequent child
if a woman’s right to receive maternity capital has arisen, but due to acute reasons (the death of a woman, deprivation of parental rights, loss of the right to adopt), this right has disappeared, it can pass to her husband, even if he is not a citizen of the Russian Federation, the exception is stepfathers

To begin the process of receiving money for this subsidy, you first need to enter into your rights, and this entry is confirmed by the issuance of a state-recognized certificate.

Documents confirming the rights

Now that you have come to the conclusion that you meet the requirements of the law on maternity capital, you need to collect all the documents and submit to the local branch of the Pension Fund of Russia.

Documentation:

standard statement
copy of the passport
copies of birth certificates for all children
copy of court permission for adopted children
a document from the passport office confirming the citizenship of children, if the official husband is not a citizen of the Russian Federation

In case of a positive decision, a personalized certificate will be prepared for you within a month, guaranteeing the receipt of maternity capital funds. You can pick it up as early as a month after submitting the application, or, having previously indicated it in the application, send it by Russian Post to the PR department.

Where can you spend

It is possible to spend maternity capital only for certain purposes established by law, and, for example, with regard to loans, they cannot participate in any consumer lending, and in any microfinance organizations, as well as in credit cooperatives.

And in order to use it, you must first wait 3 years, until the child reaches the age of 3, then you need to decide on the purposes of its use, and only then you should submit an application of the established form to your PFRF to allow you to use your state subsidy.

And the PFRF, in turn, will not give it to you in cash, but will transfer it by bank transfer to the bank account of the seller or the company that provided the service.

Permitted Targets:

the subsidy can be spent on everything related to the improvement of living conditions
to pay for building materials and work during the repair or construction of a house
for the exchange of living space for a large
to participate in shared construction
to participate in building cooperatives
to get a mortgage, to pay a down payment and to cover interest (which is enough for what)
for education (payment for children's institutions, schools, universities, as well as for student accommodation)
on health (goods, services of medical institutions, payment for operations for a child)
on the formation of the labor pension of parents (but there are severe restrictions on what can and cannot be done)

ATTENTION! Everything related to health, then you can spend maternity capital only on a child, and not on the treatment of parents.

Peculiarities

In fact, there are a lot of features in the topic of “maternity capital”, in some cases, the intervention of a lawyer is required to figure out what they eat with what.

Key Features:

granted only once, only for one child
indexation of the subsidy occurs without replacing the certificate form
in order to use the certificate, you must submit an appropriate application to the PFRF with permission to use the funds for the specified purposes
You can use the certificate only after the child reaches the age of 3, for which the certificate was received
however, the certificate is not assigned to the child, but to the parent / parents
maternity capital is not taxable
the state program of mother capital is valid only until 2018, however, each time, by an annual government decree, it is extended for another year or two
the period for applying for confirmation of their rights is not limited

What kind of loan can you take

PECULIARITY! In the case of borrowed money, you do not have to wait 3 years after receiving the certificate to use in cash. They can be used right away!

Let's start with the fact that maternity capital funds within the framework of improving housing conditions can only be used to purchase housing, to build a house, to expand the area at the expense of borrowed funds. In this case, the loan must be targeted or mortgage, which is basically the same thing. And it is forbidden to give a consumer loan for maternity capital!

With the entire amount of maternity capital (without proportional restrictions), you can pay the down payment when applying for a mortgage, or repay the principal of an existing mortgage loan (as long as there is enough money), or pay off interest to them.

Which one is impossible

AGAIN! In accordance with the law (which is adjusted every year), as of 2016, 2017, any loan for the purpose of acquiring real estate or building housing (most often such products are understood as mortgages) can be taken under maternity capital in any institution that has a license older than 3 -s years.

In accordance with this, we draw a logical conclusion - you can take a mortgage even in an MFI, right?!

However, new amendments to the laws generally prohibit the use of maternity capital in microfinance organizations, and here we see a clear contradiction. After all, there are a lot of MFIs that are licensed, they exist for more than 3 years and they distribute mortgages. Yes, they are few, but they exist.

In any case, maternity capital cannot be used to pay for:

consumer credit under maternity capital
trade credits
loans to pensioners, students, schoolchildren, the military, express loans and others (all these are also consumer loans)
credit cards
car loans
microloans

Registration process

The most popular in the topic of maternity capital and lending is the question - how to get a loan for maternity capital in cash. Well, many people want to cash out this subsidy, while not many can afford a mortgage, since the mother's capital is only enough for a down payment, and you will have to pay most of the debt yourself.

We are afraid that you will not receive a cash loan in this case!

Firstly, the law only allows you to take a mortgage or a loan to build a house.

Secondly, the transfer of money between the PFRF and the bank will take place in a non-cash form, so no one will even let you hold the money.

Mortgage loan for maternity capital, registration process (if the certificate is already in hand):

decide on your financial capabilities, because 450,000 rubles is enough only for the initial payment, no more
find a bank that will suit you according to the conditions, or any other credit organization compliant with the laws
fill out and submit a preliminary application (at this stage, you still do not need to collect and steam anything)
if you are approved, start collecting documents at the request of the bank
at the same time choose housing that is "suitable" for both you and the bank
simultaneously fill out an application to the PFRF with permission to spend a subsidy
get approval from the PFRF
get bank approval for the purchase of the selected apartment
bring and convey all the documents to everyone (and the PFRF, and the Bank, and the developer)
when you build bridges between all participants in the transaction, the payment will automatically go from the pension fund to the bank, and from the bank to the seller

What documents are needed to the bank for a targeted loan for maternity capital:

documents relating to the borrower and co-borrower (passport of the Russian Federation, TIN, pension)
documents confirming the income of the borrower and the co-borrower and their solvency (by the way, the spouse who is officially married automatically becomes the co-borrower of the borrower for whom the loan is issued)
maternity capital certificate
extract from the Pension Fund of the Russian Federation on the balance of the mother's capital
documents relating to real estate (property rights, BTI, layout, valuation, and so on)

List of banks

In continuation of the topic - how to get a loan for maternity capital in cash, we should talk about banks. Which banks give such loans (in the sense of a mortgage)?

Such banks are not few, but not many. Basically, these are pseudo commercial banks, but in fact, state-owned (Sberbank, VTB) and banks under the “protection” of the government and individual officials.

Banks working with maternity capital.

Bank's name	The product's name	Sum	Term	Bid	An initial fee
Sberbank	Home loan	from 300 000 rubles	up to 30 years	from 10.75%	from 20%
	Loan for housing construction	from 300 000 rubles	up to 30 years	from 11.5%	from 20%
Bank of Moscow		up to 90 million rubles	up to 50 years	from 11.15%	from 20%
Delta Credit	Any mortgage product of the bank	from 300 000 rubles	up to 25 years	from 11.5%	from 15%
Alfa Bank	Any bank product	from 300 000 rubles	up to 25 years	from 11.25%	from 15%
Absolut Bank	Standard	individual	up to 25 years	from 12%	from 15%
	primary market	individual	up to 25	from 12%	from 20%
Primsotsbank	Mortgage for maternity capital	from 100 000 rubles	from 6 months	from 17%	from 10%

A cursory glance at this table gives only a general idea of the range of banks working with mother capital, and for a more detailed deepening into this topic, let's look at specific examples - Sberbank and Rosselkhozbank.

In Sberbank

So, a mortgage loan for maternity capital in Sberbank is good:

firstly, Sberbank is one of the few banks that does not refuse to work with this subsidy (and recently many have begun to do this)
secondly, it is the most "reliable" bank in the country
third, the largest
well, he's probably the most loyal

Sberbank even provides for two whole programs under which you can get a loan secured by maternity capital: “a loan for the construction of a house against maternity capital” and “Acquisition of finished housing”.

In today's difficult economic situation, many people turn to banks for loans. Loans for some become the only way to acquire their living space. Many people want to get information about the terms of a loan for maternity capital at Sberbank. Active assistance from the state allows you to get rid of part of the burden.

This implies that it is possible to spend maternity capital on a mortgage at Sberbank. You need to understand everything in order.

Where can maternity capital be spent?

Maternal capital is a kind of subsidies provided by the state to its population. Families with a second or more child become recipients of a certain amount indexed over time.

We must not forget that the family has the right to use funds only after the child reaches the age of 3. Mortgages are the only exception to this rule, and can be spent almost immediately after the birth of children.

It will not work to use capital for any purpose, it has a certain direction. Most often, this subsidy is spent on the purchase of residential real estate. The amount of social assistance is not large enough to fully cover the cost of buying an apartment. That is why a mortgage loan for maternity capital at Sberbank is so relevant today. This bank is also chosen because of the benefits of the loan.

Many parents do not know where to spend maternity capital in Sberbank. The following options are available here:

repayment of part of the mortgage taken before the subsidy was received;
use as a down payment on the issued mortgage.

What is a maternity capital loan at Sberbank?

At its core, a mortgage under maternity capital at Sberbank is an ordinary mortgage. The difference lies only in the presence of a number of restrictions. You can use the subsidy for the following types of housing:

apartments in new buildings;
secondary market apartments.

Family capital is used to pay off the down payment. If you wish, you can increase the amount of the first payment by adding your savings to the amount of the subsidy.

In 2016, the amount of social assistance is 453 thousand rubles, as in 2015. Unfortunately for Last year the subsidy was not indexed by the state.

On what conditions can I get a loan for maternity capital in Sberbank?

Today, Sberbank of Russia offers its clients the following loan programs, which can be issued using existing maternity capital:

improvement of living conditions (exchange of housing for a new one with a larger area);
purchase of housing under construction;
taking out a loan to build a house on your own.

Purchase of finished or under construction housing

For these two types of lending, the conditions at Sberbank are the same. They look like this:

the currency can be chosen not only rubles, but also euros and dollars;
the maximum loan term is 30 years;
the interest rate is set individually, it can vary from 10 to 15% per year;
the minimum loan amount provided by the bank is 450 thousand rubles;
the maximum loan amount is 18 million rubles;
it is obligatory to register the acquired housing as a property (children fit into the apartment).

Not everyone can count on receiving a loan under maternity capital at Sberbank. The client's job requirements are as follows:

total work experience must be at least 5 years;
continuous experience at the last place of work - from six months;
having a job at the time of the loan.

Loan for self-construction

Some conditions for this type of loan differ from those for housing. Money is issued for the same period, not exceeding 30 years. The work experience requirements are the same. And here are the specific conditions of such a loan:

the minimum loan amount is 300 thousand rubles;
the allocated amount is not issued all at once, but in accordance with a special schedule developed on an individual basis;
the interest rate is determined for each client separately.

How to get a mortgage through maternity capital in Sberbank?

Regardless of the direction of the loan, you will have to apply for a loan in the following sequence:

The client writes an application in the prescribed form. Documents included in the mandatory list must be attached to it.
Within 1-2 weeks, the bank makes a decision on the application. After that, documents for the real estate itself are collected (purchase and sale agreement, registration certificate - when purchasing finished housing; shared construction documents, permit papers - when investing in housing under construction; documents confirming ownership of land, an appropriate building permit - when using mortgage funds for independent construction).
An agreement is concluded between the client and the bank. Real estate is subject to compulsory insurance, it is provided as collateral until the debt is repaid.
When all the documents are in hand, the borrower must apply to the FIU, demanding to transfer maternity capital funds to Sberbank. It is considered within a month. After that, the money goes to the bank account.

To whom is the loan transferred?

Allocated funds are handed out only in case of self-construction. In other situations, they are transferred from the Sberbank account directly to the account of the seller of the apartment or the developer.

Debt repayment procedure

The receipt of funds in Sberbank can be divided into 2 stages:

transfer of maternity capital money to Sberbank;
monthly repayment of debt in accordance with the payment schedule in the amount established by the agreement.

To make the next payment on a mortgage under maternity capital in Sberbank, you can: