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 Maternal (family) capital has ceased to frighten consumers with its name for several years already, and many families have already been able to use it. Consumers who use this type of savings know how to spend this type of savings. Namely, firstly, for the education of the child, secondly, for the registration of the labor pension of his father or mother, and thirdly, which is now in great demand, it is for solving housing problems, including with the help of a mortgage.
This type of savings is issued to a family at the birth or adoption of a second child, and the certificate must be issued for the parents - for the father or mother, and only once.
All problems associated with maternity capital in Russia are dealt with by the Pension Fund. As mentioned earlier, this type of savings is possible when applying for a mortgage, and the capital investment can be spent both on the payment of a contribution when receiving a loan, and on the payment of interest on an existing loan and the repayment of the principal debt. Moreover, this type of lending provides for the purchase of various types of housing, from secondary to under construction. And when referring to "mother's money" the type of real estate does not really matter, except, in contrast to the documents submitted for a loan.
Most often, family funds are used to pay off existing debt and interest on a loan. Moreover, with these means, it is possible to reduce the state of debt, even if the loan and the certificate are issued for different people. The procedure is very simple. First, you need to get a certificate from the bank about the amount of the balance of your principal debt and interest-bearing debt on the loan. This application must also be accompanied by a certificate for "maternal" money. This certificate is issued no more than 10 days. Next, you need to submit this certificate to the local territorial office of the Pension Fund of the Russian Federation, where you must immediately declare the transfer of funds of this capital to the bank to repay the loan. To the existing documents, a certificate and an application, you must attach such documents as a certified copy of the loan agreement and a copy of the document confirming the registration of ownership of the apartment, that is, a certificate.
According to the law, the Pension Fund will have 3 months to consider this application. The money of the maternity capital, first of all, is used to pay off the main debt. If after that any part of the money is left, then this balance of funds is used to pay off interest on this loan. But, unfortunately, in many cases, the family capital does not allow to eliminate the remaining debt, and the borrower only wins about twenty percent. Also, this type of capital can be used to obtain a new loan, but even here it all comes down to the need to repay the main part of the debt from the "mother's money".
In this case, banks do this: the loan amount available to the borrower increases, and after the loan agreement is drawn up, an application is submitted to the Pension Fund and part of the debt is repaid again at the expense of maternal savings.
To use family money for a new loan, you must present a state certificate to the standard package of documents. If the bank agrees with the amount of lending, then a letter from the bank draws up a confirmation of the issuance of this loan and the borrower is notified of the timing of the transfer of capital funds to pay off his debt. As a rule, it is necessary to transfer money to a credit institution within six months from the date of the loan.
When signing the documents, the bank must know the remaining amount of maternity capital and, accordingly, it must have guarantees that the conditions will be met. To do this, a potential borrower should contact the local territorial office of the Pension Fund of the Russian Federation with a preliminary letter on the issuance of a loan. If the Pension Fund agrees with the transfer of money, then it issues a confirmation letter to the bank. And all documents, along with documents for housing registration, can be submitted within 3 months, starting from the moment of confirmation of the decision to issue a loan.
It must also be remembered that a certificate from the territorial department of the Pension Fund should be issued no earlier than thirty days before the date of the transaction itself. So it is necessary to act very quickly when using family capital.
Deblyuk V.A.
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