Among the options for using maternity capital, the most popular is the repayment of mortgage loans received to improve the living conditions of the family. Since 2009, you can pay a mortgage from these funds at any time from the birth of the second and subsequent children.
It is necessary
- - certificate for maternity capital;
- - SNILS;
- - passports, birth certificates of all family members;
- - a copy of the loan agreement;
- - a copy of the mortgage agreement;
- - certificate from the bank about the amount of debt;
- - certificates of state registration of ownership of the property;
- - an extract from the house book;
- - a copy of the personal financial account;
- - bank details for transferring money.
Instructions
Step 1
To repay a loan issued for the purchase or construction of housing at the expense of maternity capital, contact the territorial office of the Pension Fund in your region. Submit an application for disposal of funds indicating the amount that will be used to pay off the mortgage loan.
Step 2
Ask the bank that issued you the loan, a certificate of the current debt on the principal debt and accrued interest, as well as details for transferring money.
Step 3
Prepare and attach documents to the application:
- certificate for maternity capital;
- insurance number of an individual personal account (SNILS);
- passports, birth certificates (up to 14 years old) for all family members living in housing that was purchased with a mortgage;
- a copy of the loan agreement with the bank;
- a copy of the mortgage agreement;
- certificate from the bank about the current loan debt and accrued interest;
- certificates of state registration of the ownership of each of the family members to a dwelling purchased with credit funds;
- an extract from the house book;
- a copy of the financial personal account;
- bank details for transferring money.
Step 4
Keep in mind that the apartment or house must be in the common ownership of parents and children with the definition of shares. If, at the time of filing the application for the disposal of the maternity capital, this has not been done, submit to the Pension Fund a written commitment to register housing in the ownership of all family members.
Step 5
You can submit documents to the Pension Fund office in person or through a representative using a power of attorney certified by a notary. You can also send an application with attachments by mail, but then all copies of documents must be notarized.
Step 6
After 1 month from the date of receipt of the documents, the Pension Fund will make a positive or negative decision on satisfying the application, after which it will send you a notification within 5 days. Then a transfer from the fund will be made to your account with the bank that issued the mortgage loan in payment of the principal and interest on it.
