How to get a loan for maternity capital

Laws and amendments, regarding the waste of maternal capital, are often changed, and many people are not aware of what exactly they have the right to spend their MSK. Immediately it is worth saying that capital money can only be spent on improving family existence, pay for all children or future maternal retirement. All that does not fit into the framework of this definition cannot cause funds from MSK. Let's wonder in detail what kind of loans you will be able to receive capital funds.

1
How to use maternity capital to repay consumer loans

If your money loan is not taken to build a house or purchase, then the use of maternal capital will not work. Any expenses that are not aimed at building housing or its acquisition are not provided by law.

Even if you have either want to take a loan to restore your home, in this case you will be denied the issuance of a part of the funds.

Now you know that you can only take a loan for the purchase of your own home. About how to do it, read in the next paragraph.

2
How to get a loan for housing for maternity capital

There is the main nuance: you took a loan or just going to do it, after receiving maternal capital. If you already have a loan for housing or its construction, then you do not need to wait for the teeth of the child, which is provided by law. You can invest capital today in your credit.

In the case when you are just going to take any kind of loan, or a mortgage on an apartment, then you should wait for the tech of the child. Of course, you can try to file a petition in the Russian Pension Fund and earlier, explaining that you have nowhere to live, and there is not enough money for the purchase. Such a petition will be considered in a special format.
To repay or take a loan for maternity capital, the following conditions must be followed:

You received a certificate for maternity capital in the FIU.
You have your own stable income.
You are not owned by another housing.
Future housing You will place in the total share ownership in the equal part between the spouses and children.

The last item requires special attention. The fact is that, according to the law, housing, purchased at the expense of maternal capital, should be divided into the right of ownership between the whole family. So, children must have their own proportion. For example, you assign 1/4 shares, 1/4 shares of one child, 1/4 - second, and the rest of the quarter to her husband.

In order to take a housing loan under MSC, you will need these documents:

help 2 NDFL;
copy of the tax declaration;
certificate of maternal capital assignment.

3
How to get a loan mortgage for maternity capital

Some banks have special programs with which you can arrange special types of mortgages, on the screenshot of a visual example of this.

Of course, for the disposal of MSC in this case, you will also have to have a certificate of 2 NDFLs, a copy of the tax return, and in some cases, and a special certificate from the Pension Fund to satisfy the order by means of maternal capital. You can submit such requests electronically by going to the PFR site.
In the site cap, select the "Electronic Services" tab.

Next, click on the left field "Personal Cabinet Citizen".

List the page that appears until you see the Count "Maternal (Family) Capital - MSK". Choose a blue link to the right "about the disposal of MSK means".

Be sure to log in with the help of a single account of ESIA or through the public service website.

Fill in all fields, especially pay attention to the fourth tab of the "Data on Management Tools". In it you need to choose "Improving housing conditions."