Mortgages are the only type of loan for which maternity capital can be used. Matkapital can act as a down payment for home purchases, and can also be used to pay off principal and interest on an existing loan.
It is necessary
- - passport;
- - certificate for maternity capital (certified copy);
- - mortgage agreement;
- - certificate from the bank about the balance of the debt;
- - certificate of state registration of ownership of a residential property acquired through a mortgage or an agreement for participation in shared construction;
- - a notary-certified obligation to register housing in the common ownership of children and parents;
- - an extract from the house book or financial and personal account;
- - Marriage certificate.
Instructions
Step 1
The first thing that needs to be done is to inform the bank about the intention to send maternity capital to repay the mortgage. You must be issued a certificate of the balance of the principal debt and interest on the loan, as well as documents of title to housing.
Step 2
Submit an application to the FIU in the prescribed form along with a complete package of documents. The form can be downloaded from the FIU website or taken from the fund itself. It is advisable to pre-clarify the list of documents by phone, because the requirements may change.
You can send the entire amount of capital to the mortgage account (this year it is 430 thousand rubles) or a certain part.
Step 3
Be sure to take a receipt from the FIU specialist. It should indicate that your application was submitted to the fund, and also the date of its receipt.
Step 4
The application is considered by the FIU for no more than 30 days. The percentage of refusals to borrowers is low. Possible reasons for a negative decision are the provision of an incomplete list of documents or the deprivation of the applicant's parental rights.
Step 5
In case of a positive decision, you must write an application to the bank - about partial or full repayment of the mortgage by the mother capital. The bank will either shorten the total loan term or recalculate the amount of monthly payments.
Step 6
The money can be transferred to the FIU for up to 2 months, after which the bank will provide you with a new payment schedule. However, before the money is credited to the account, mortgage payments must be made according to the old schedule.
