Maternity capital for the purchase of housing. How it works

One of the attractive stateprograms aimed at supporting families that have more than two children is the payment of maternity capital. It operates until 2016 and allows many to significantly change the conditions in which they live, because you can get targeted funds for this. How to use maternity capital to buy housing?

Most citizens have absolutely no idea about this procedure. That is why this article is devoted to such a topical issue.

How to use funds

So, as already mentioned above, you can usesuch financial assistance as maternity capital for the purchase of housing, as well as to receive the proper education of the child himself or to form a special (accumulative) part of the pension of the working mother. The amount of payment in the current year amounted to almost 410 000 rubles. Use maternity capital to buy housing can be as follows. After the child grows up and he turns three years old, parents have the right to pay this money directly to the seller of the property you are interested in. For this purpose, a relevant agreement is signed, confirming the acquisition of property, which is registered not only in the FRSF, but also in the FIU. After that, the cash is transferred to the seller's account two months later.

Undoubtedly, very few people will agree to wait for such aa large period of time, so the practice of obtaining a targeted loan is widely used. Then the following procedure takes place: the maternity capital for the purchase of housing will be sent to the PF to repay the loan and accrued interest thereon. To do this, you must write a statement, a sample of which you must provide.

How to use maternity capital to purchase housing, if the child is not three years old

In this case, we also have to resort totargeted loans. Here it is necessary to take into account that the loan agreement must necessarily contain information that the funds have been issued for the purchase of a particular dwelling premise (an obligatory condition is the indication of the exact address). In addition, the issuing organization must have the appropriate permission to do so.

"Underwater rocks"

First, it is advisable to pay close attention tochoosing an organization that will provide loans. Moreover, it is important not only the availability of its relevant documents, but also the size of the interest rate, the established reputation and feedback. Secondly, you can not use these funds to buy stakes in a dwelling. Thirdly, such a criterion as physical depreciation of property is considered.

It should be minimal, and the building itself - suitable for housing.

Preferential loan for the purchase of housing

Few can afford to buyreal estate without borrowing. This problem is especially acute for young families. To solve this problem, a special state program of concessional lending was created. It can be provided to families that meet specially established criteria. For example, take into account the age of borrowers, the number of children, the level of income and many others. Often, the program extends to servicemen, persons performing military service, and others. The essence of the program in compensating borrowers for a certain percentage of interest paid in accordance with the loan agreement. It should be remembered that not all banks participate in this program.

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