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The big banks don’t want to take the shot as the payment on the mortgage

Крупные банки не хотят брать маткапитал как взнос по ипотеке

The largest Russian banks refuse to accept the parent capital in full or partial down payment on a mortgage with Gospodarki for families with children.

In particular, preferential housing loan at 5-6% per annum is unlikely to succeed to take in VTB, Rosselkhozbank, Gazprombank, Sberbank and Raiffeisenbank, and the ICB Sovcombank. Complaints appear on specialized forums, the newspaper “Izvestia”.

As explained by financial organizations, the developers do not want to wait several months until the Pension Fund of Russia will transfer them to the state subsidy for the second child. According to commercial Director GK “A101” Anna Boim, the money from the pension Fund at the expense of the developer go to about 3 months.

Thus in a press-service of the Central Bank of the Russian Federation the publication stated that major lending institutions do not take matkapital for preferential housing loans, did not violate the law. The condition of making the initial payment of 20% or more of the cost of purchased housing is achieved “when the actual direction of means of the parent capital, not if you have the right to claim him”.

Meanwhile, a program for the provision of maternity capital in Russia in late July, it was proposed to make a perpetual. This, in particular, urged the first Deputy head of the Ministry of labour Alexey Vovchenko. He also said that the shot should be worth more than the sum of his need to constantly index.

We will remind that the program of the parent capital operates in Russia since 2007. Certificate be families in which there was a second child. It can’t be cashed out, but you can send funds to pay for the treatment, education, housing improvement, etc.

It is unknown how long it will be to operate the program. The Chairman of the Federation Council Valentina Matvienko proposed to extend it until 2025 at least, indicating that the improving demographics in the Russian Federation was the main message of President Vladimir Putin to the Federal Assembly.

The following year, the size of the parent capital will exceed 466 thousand rubles (at present it equals 26 453 thousand rubles). Such parameters laid down in the draft Federal budget for 2020 and the planned period of 2021-2022 years, which passed its first reading in the state Duma.

We add that the Russian government was allowed to use the matkapital for a down payment on the mortgage in September 2015. To use the parent capital on repayment of housing credits and loans to third birthday of the child you could before, however, this rule did not apply to the initial payment.

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