funds allocated by the state at a rate of about 307,000 rubles for the birth of a second child are aimed at improving the housing problem.
including:
- construction (purchase) of premises;
- payment of the fee, repayment of debt under the existing loan or loans for the construction or purchase of housing;
- pay equity in the building;
- pay for the construction of a separate dwelling house;
- payment of fees for participation in housing cooperatives;
- repayment or payment of an initial payment for mortgage lending;
- interest payments on mortgage loans.
loans maternity capital to receive only a few banks, "Bank of Moscow", "Unicredit", "Sberbank of Russia", "Delta Credit", "open" and "VTB 24".These organizations were trained experts, understand all the intricacies of credit and are working with clients at the highest level.
Sberbank of Russia operates in all areas of lending under the maternity capital.Provided favorable conditions and interest rates with the participation of investors in new construction.The Bank conducts and supervises the implementation of the commitments on the part of the borrower and the lender.
Bank "VTB 24" provides loan capital for the parent only if the certificates of income and a certificate of granting maternity capital.Once the certificate is received and feature all the necessary documents, they can partially repay mortgage debt.
in each branch of the bank require certain documents before you take out a loan under the maternity capital:
1) For participants of mortgage lending: a copy of a contract for a loan or mortgage agreement.
2) To repay the debt: a copy of the loan agreement, the lender statement on the amount of outstanding principal debt and interest payment, a copy of the mortgage agreement or loan contract, certificate of state registration of ownership of the house.
amount of money transferred in a cashless form in the following documents by a natural person, a cooperative organization, serving as the representative of the borrower.The whole sum of money or a part of the family capital must not exceed the remainder of the principal or interest on the debt on the loan necessary to acquisition of the right to housing.
be housed in family capital should be only within the Russian Federation.The loan is issued under the maternity capital at favorable interest rates from 8.8% to 11.05% per annum for up to thirty years.Terms depend on the bank's loan period, the availability of housing insurance, the amount of down payment.
loans maternity capital is calculated based on the employees of the bank filed documents.The lower part of the existing resources in the client and longer loan term, the rate will be higher.Just added to the result of the amount of the certificate.It is not necessary to apply for loans in small banks may be faced with troubles, making out loans secured by the parent capital.It is better to choose a more reliable credit institutions.
