The size of the parent capital today exceeds 453 thousand rubles. This amount is quite significant for residents of all cities of Russia, including such megacities as St. Petersburg and Moscow. That is why young families who received a certificate for the right to dispose of this payment, dream of using it to solve their problems and acquire something that can not be bought without borrowing.
To issue a loan for a large sum of money is simply not always the case, since the creditor needs a guarantee that the debtor will be able to return it in the future. Receiving this certificate, many families plan to use it for this purpose, that is, to apply for a loan against a maternity capital. Such a procedure, in principle, is possible, but only in view of certain nuances of its conduct.
In this article we will tell you how to take a loan for maternity capital, and under what circumstances this is not contrary to the law.
Is it possible to take a loan for maternity capital?
The entire amount of the parent capital, or a part of it, as a general rule, can be directed at improving the living conditions of a young family, increasing the amount of a future mother's pension, arranging a dwelling for a disabled child, as well as paying for the education of an offspring in an educational institution and his residence in a hostel .
Thus, the law does not provide for the use of this measure of financial assistance for the execution or repayment of loans. Nevertheless, under the maternity capital, you can take a loan for the purchase or construction of housing. As a rule, in this case, mortgage loans are drawn up, in which the acquired real estate object is pledged.
In addition, under the maternity capital, a targeted loan can be taken to improve the conditions in which the family resides. In this case, the text of the agreement on granting such a loan should specify the purpose of these funds, which does not contradict the program, namely:
- purchase of an object of housing, both on the secondary and in the primary market, indicating its specific characteristics, including the exact address of the location;
- Building a house for habitation on your own plot of land with the help of a contractor or on your own;
- share building;
- payment of a share for enrollment in housing cooperative members and construction financing.
In all these cases, the holder of the certificate will not be able to receive cash borrowed from the bank in his hands. After approval of the proposed transaction by the Pension Fund, they must be transferred to the account of the seller by non-cash settlement. It is worth noting that to make a loan using the means of the parent capital, you do not have to wait until the baby reaches 3 years. You can apply to a credit institution for a loan, as soon as you get a certificate.
Proceeding from the foregoing, it is impossible to take a consumer credit in cash for maternity capital, and, moreover, this is a gross violation of Russian legislation. However, if you want to buy a not too expensive thing, until 31.03.2016 you can cash out 20,000 rubles from the funds of this payment and use them for any purpose instead of a consumer loan or a part thereof.
Which banks give credit for maternity capital?
Many credit institutions do not want to contact such transactions because of high legal risks, so the list of banks where you can get a loan for this payment is limited. In particular, it is possible in such organizations as:
- Sberbank;
- "VTB";
"Genbank"; - "Asia-Pacific Bank";
- Levoberezhny Bank;
- "Bank of the Cedars";
- Interkommerts Bank;
- "Khanty-Mansiysk Bank";
- "Far Eastern Bank";
- "DeltaCredit";
- Uralsib.