Not everyone knows that today many families there is a unique opportunity - to get a loan at the maternity capital.First and foremost, this concerns mainly the lending program through which many families have a chance to solve their housing or "educational" problems.
How to use maternity capital for the acquisition of housing loans?First you need to clarify what this guide is provided as a public family support after birth, as well as in cases where the family has adopted a second child.Under current law, the family received the maternity capital can spend only three cases:
- - to increase the retirement capital at the expense of the mother;
- - pay child's learning;
- - spend the money on something to improve the living conditions of the family.
Due to the remoteness of sufficient time the first two points, most Russians prefer to spend the capital of the latter.
before asking the question "where to get a loan" should be well acquainted with the conditions of maternity capital, and how to use it.Thus, according to the Pension Fund, issuing certificates for this benefit, more than 75% of Russians usually use receive state financial support to pay off the mortgage.
is important to note that the family could dispose of the money, and before the child turns 3 years old, that is, as soon as the parents receive a certificate of capital, then immediately after that can arrange a mortgage or pay off the loan taken earlier.
However, it should be noted that not all the organizations issuing loans for the purchase of real estate, take this handbook to pay the down payment.
Use loan maternity capital and funds as a mortgage loan can be just a few ways:
- pay the first installment for the purchase of housing;
- to pay for the loan already taken property.
Withdraw the certificate is impossible, and all outgoing payments made with it, must be targeted and non-cash.After that, the process of preparing the necessary documents for banks, which are required to apply for a mortgage.
Many certificate holders' loan maternity capital "becomes a moot point correct use of the funds.It is forbidden to use them:
- to pay for the repairs in a new apartment;
- to buy a new car;
- to take credit for the business;
- use the cash to buy some real estate;
- use all capital or any part of it to the needs of the family.
family to receive a loan under the maternity capital, and she could use the money for their own purposes, you must first obtain a certificate for this capital.To do this you need to collect all the necessary documentation, contact your local branch of the RPF, and write a statement about its granting.
