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A loan for the purchase of an apartment with the help of maternity capital. Buying an apartment in a mortgage with a few dollars of maternity capital

More happy masters of the certificate for the mother's capital victorious yoga for the improvement of the minds of the life. Oskіlki sumi, seen by the power, zamali pridbannya ready object of indestructibility, vinikaє need to draw up a living loan or mortgage. This procedure may have some peculiarities and nuances.

To that varto rose, like a mortgage under the mother's capital, it can be issued on such minds.

Main Features

In 2015, over 3 million Russian families have already taken away certificates for the birth of another child. І approximately 2 million of them sent funds for the provision of apartments or the life of houses, because this problem is the most urgent in our hour. Irrespective of those who have the right to financial assistance, it is possible after 3 years to appear in this other child, as there is a need for a life of minds, this rule does not work. In a word, straighten the bones maternal capital you can live on a living room without a trillity little baby. Ale also needs to be protected, that the skin of a member of this family, and children, and fathers of the guilty mother lived in the sleepy private authority. To the friend of a child, the mother is also guilty of her part of the house near the apartment, and the axis is the same - the law does not specify.

Otzhe, mortgage under maternal capital, mind that they will be looked at below, the reality. You don’t need to check three years, as if you were pardoned richly, but then you should arrange a life for the authorities on all members of your family, including children.

Cob deposit from mortgage

You can beat the mother's capital like a cob contribution from the mortgage, which is worth it for the quiet, who buys the life after the people of another child and make a single sum of money not building. І banks to instruct at the given position on the provision of indestructibility, as I do not have a start-up capital.

Also, you can send the mother's capital as a cob contribution from the mortgage, with which it is necessary to choose a bank and conclude a mortgage lending agreement with it. Let's pick up life and fit in with the financial regulations. After the first agreement with the bank about the position and the certificate of the right to power at once, the certificate must be submitted to the Pension Fund.

For two months after the filing of the application, the amount was assigned to the account of the bank, and the mortgage was issued to the account of the repayment of the first deposit. Pennies to the holders of the certificate are not seen as ordinary minds.

Repayment of the main loan or debt for a mortgage

Ipoteka pіd maternal capital can be on the verge of payment of the already obvious living position, so that it was framed back before the birth of another child. That way, with the help of a sovereign support, you can repay a living loan and, in this way, reduce the terms of crediting and the amount of a monthly payment. But you need to be sure that it is impossible to pay fines and penalties for late payments on mortgages for the mother’s capital.

How to draw a position

Dali, let's talk about those, how to take a mortgage under the mother's capital. For the cob, obviously, it is necessary to issue a certificate from the Pension Fund. Zrobity tse can be right after the people of another child and the execution of documents on it. The application is reviewed for a month, after which the fathers obtain a certificate.

Only once the object of indestructibility is bought, so that the favors from it are carried out. After that package of documents should be submitted to the Boarding Fund. And the certificate itself, agreed with the bank, is a certificate of the right of power. After reviewing the documents for 2 months, the pennies are transferred to the bank account. And here it’s not obov’yazkovo once to draw up a life on all members of the family, it’s enough for 6 months to file a goiter with a notary about the transfer of an indestructible lane to a share of power.

Wash away the contract

Agreement of a mortgage, taken from the mother's family capital, is hardly considered as a standard one. Tobto the bank, like before, hangs zhorstki vimogi to the pozychalnik. It is also necessary to confirm the income, your payment service and take out insurance. Want to depreciate banks vіdsotkovu rate for a mortgage from the mother's capital, її rozmir can reach 14% of the river. So, just like in other cases, the amount of money to deposit in the cob deposit, to that additionally put a certificate for qi qi.

In addition, it is possible to improve the mind of the life of a direct intelligible word. Tobto sell the already existing object and buy a bigger one for the area with a surcharge. And here you can make a mortgage agreement with the bank. Without a doubt, you will have to pay a couple of hundred for a loan until the moment the money is transferred to the bank from the Pension Fund, but if you don’t have a check three years from the moment the baby is born.

What is your respect for?

Mortgage under the mother's capital may have a little of its own features, on the basis of following the respect:

Zagalom є kіlka options, how to take a mortgage and maternity capital. And it is also necessary to choose the right financial institution, as there may be special lending programs.

Banks that give mortgages under maternal capital

For statistics, a lot of clients trusted such a financial institution, like Oschadbank, maternal capital. Ipoteka, to the point, can be seen for a lot of programs, which significantly increases the chances of consolidating positions and rob you of your mind and more vigidnimi. Vіdsotkova rate to lay down in іd rich conditions, for example, in іd rozmіru pochatkovoj vіd the term of crediting, and also in іt of the fact that the client takes part in the salary project і Oshchadbank. The maximum yield from the mortgage is set at 14% per river.

Among other banks in our country, certificates are issued: VTB 24, Bank of Moscow, Unicredit, DeltaCredit. The rates of that mind lending can be recognized from the financial institution. Also, follow the obov'yazkovo mind, on which one can see a mortgage under the mother's capital. The calculator, presented on the official websites of banks, will help you to assess the benefit of the client.

Visnovok

Otzhe, first of all, it is necessary to issue a certificate from the Pension Fund. Dali, resolutely explore all the options, to that the mortgage under the mother's capital is a unique chance, which needs to be done correctly. It is possible, perhaps, to buy an apartment in Novobudov, for which special programs, or put money into the mortgage, using the method of life of a living house. Variants can be buti chimalo.

The object of the purchase and sale agreement with the choice of maternal capital can act as an apartment is ready on the primary or secondary market, so it lives in a booth that you will be following a share agreement. It’s possible to quickly earn a penny if you reach a child of the 3rd century, but if you buy a living for a mortgage agreement, or in this case, you can pay it off if you’re a child.

Note: pennies for the mother's certificate cannot be taken away by preparation, Danish document gives less the right to direct finance to established by law vitrati, one of those є polіpshennya living minds sim'ї. Koshti will be repaid by the structures of the Pension Fund after the execution of the purchase and sale agreement.

One of the necessary minds for obtaining a mortgage loan under the mother's capital is the integrity of the funds, secured by a certificate. Tobto that before this family sent a part of the pennies to the education of a child, then the bank can put it in position.

Banks, lending to customers, require that a cob deposit in the amount of 10 to 25% of the cost of living is paid by the purchasers themselves. If the beneficiaries have violated yoga, then they will have to go through additional lending. On the right, in the fact that the Pension Fund can redeem the money, having lost more money, that the agreement on the purchase and sale has been made, the purchaser has passed the state registration, having taken a certificate of power in his hands.

At different banks, they should proponuyut to credit the borrower from the amount of the cob deposit, having set the vіdsotki at 10.50% equal to the key rate of the Central Bank, chinnoї nіnі. As soon as the Pension Fund takes away all the evidence of legality, then the pennies on the mother's capital will be sent to the credit institution.

In this rank, the applicant will take two loans, one for a short term and covered through the Pension Fund of a penny of the mother's certificate and the other - the main one for repaying the sum, which the seller of indestructibility has lost.

Etapi please

Gradually bring the kіlka krokіv to reach the result:

1. choose a bank , what is the program of mortgage lending for maternal capital;
2. submit an early application and attach the necessary documents for the applicant: statements about the income at a glance work book or a certificate of registration as acceptance;
3. let me know about the dwelling, what to buy : ready to live in a new house, at the stage of life, an apartment on the secondary market or an individual house, this option and information about the seller and additional documents about power or other rights to mine. The bank is guilty to praise the indestructibility, the shards themselves won't secure the return of the loan, being at the outpost. A number of banks can praise an application without submitting information about non-violence, which is necessary to be covered in terms of 1 to 3 months - the whole hour is given to search for the necessary version of non-viability;
4. when the application is accepted we present the latest package of documents for the dwelling: a certificate of authority (Vityag from the Federal Register of 15.07.2016), public servants, dovіdka about the warehouse with the seller, the organization of the guardianship for the presence of incomplete children, technical and cadastral passports and іn.
5. podomlyaemo vyddelennya Pension Fund about the bazhannya come unharmed. We submit an application for an established form with additional documents for an apartment and a bank statement;
6. the bank conducts an assessment of non-destructiveness from the study of an independent expert. The results of the assessment are added to the amount of the loan, the price itself is determined by the assessor, which is the main one for the bank, and not the one suggested by the seller;
7. laying down a credit mortgage agreement. At the new side, the terms of crediting, the sum, the hundredth rate, the schedule of monthly payments, the possibility of early repayment, the fund with additional funds for the mother's capital are discussed. The warehouse of the lane is indicated, as if it will be at the outpost at the bank, the outpost is being drawn up;
8. overnight, with a loan agreement, a contract for the purchase and sale of a dwelling is laid down. An act of acceptance and transfer of an apartment is being made and the first deposit is paid. The bank is expected to receive a receipt from the seller about this payment, or a payment order for redistribution of pennies. Abo the bank itself, lending to the borrower at the sum of the deposit, refinancing his vlasnik of life;
9. to be paid to the state mito at the address of the registration chamber in the name of Rosreestr. Rozmir mita pіd hour of laying the mortgage agreement to become physical osіb - 1000 rubles. For the contract of purchase and sale, the state pays for the registration of the contract in the sum of 2,000 rubles, on thousands of sides, like the stink of the bulk and 22,000 rubles of a legal entity;
10. documents are submitted to Rosreestr for registration. It is necessary to report all papers, for mortgage, purchase and sale, oscilki are registered in two ways: outpost and transition of the right of authority from the seller to the purchase;
11. to carry out insurance of the subject of the mortgage and the life and health of the recipient. Tse obov'yazkova vomoga, yaku vysuvayut banks z metoyu sberezhennya lane, and also have time to spend the money-maker or yogo death to repay borg zі insurance sum. The agreement with the insurance company will need to be deposited with the bank to the full extent;
12. to the Pension Fund, a registration of a purchase and sale agreement is submitted, and a certificate of authority to the master of maternal capital. Bought a living room, but at the same time, you can arrange it in the parishes for the father and the child.

Submission of documents for the rest of the stage for the repayment of pennies by the Pension Fund from the grants of maternity capital for the repayment of part of the loan to the bank. Umov about the registration of non-violence on all members of the family and (or) the children after the award for the purchase of a living cat MK є obov'yazykovoy and pіdlyagaє vykonannya on the basis of a notarized goiter. Otherwise, through the prosecutor’s office, for the advice of the Pension Fund, the goiter of the head of the clerk lived through the court.