Maternal capital in the Republic of Udmurtia. KPK Garant - Izhevsk, credit consumer cooperative Where to apply and what documents to provide

One of the main directions social policy state today is to support young mothers and improve the demographic situation. So, all families in which a second child is born or adopted (adopted) are entitled to receive a certain amount of money. It can be spent on a mother's pension, paying for children's education, improving their living conditions, as well as on the social rehabilitation of disabled children. However, few people know that it is currently possible to receive target loan under maternal capital . The specialists of our organization "Izhevsk Credit" will be happy to provide you with assistance and advice in these matters.

Maternity capital loan
Such transactions are concluded for the acquisition of comfortable and spacious housing by families with two or more children. If parents do not have enough cash to pay for the one-time purchase of an apartment or house, they have the right to receive capital loan.

These issues are regulated by the Federal program "Improvement of living conditions for Russian families". According to its provisions, citizens can independently choose the bank with which they plan to cooperate in the future. Competent and experienced employees of our company will help you weigh all the advantages and disadvantages of various credit institutions and make the best decision.

You can issue maternity capital loan for the acquisition of both secondary housing and an apartment in a new building. In this case, in the latter case, the percentages will be slightly lower. The indisputable advantage of transactions of this kind is the absence of commissions for processing a loan in many banks. In addition, agreements often provide for the possibility of early repayment of obligations without any material losses.

How to get maternity capital
The following have the right to receive family capital:

• Women who gave birth to a second (third, fourth and subsequent) child, as well as women who adopted a second (third, fourth and subsequent) child.
• Men who have the status of the sole adoptive parent of the second (third, fourth and subsequent) child.
• Fathers or adoptive parents of the second (third, fourth and subsequent) child, if the mother or adoptive parent of this child has lost her right to capital.
• The children themselves are minors or full-time students up to the age of 23. The child is allowed to apply for a certificate if the parents have lost this right.

It is important to understand that guardianship and a foster family do not give the right to receive maternity capital. Also, citizens who have adopted (adopted) their stepchildren or stepdaughters are not allowed to issue a certificate.

Conditions for obtaining a certificate in the Russian Federation
In addition, the receipt of a state subsidy requires compliance with the following conditions:

• The person who claims to receive maternity capital, as well as the child (born or adopted) must have without fail citizenship Russian Federation at the time of birth or adoption.
• The child must be born or adopted after January 1, 2007 and before December 31, 2021.
• The decision to issue a certificate for family capital for the second child in 2018 is made within a period of no more than 30 days from the date of application. In the near future, the Government plans to reduce this period by 2 times - up to 15 days. Notification of the issuance of the certificate is sent to the applicant no later than 5 days after the decision is made by the FIU.

The Republic of Udmurtia is the region where the regional maternity capital program is not provided for by law. However, instead there is similar program social payments when buying real estate on credit. Thus, families with children in Udmurtia can still count on two different payments- federal and republican.

However, unlike maternity capital, the funds of which can be directed in four different directions, the regional social payment can be used only in one direction- local support is provided only for those families who decide to purchase property on credit. In fairness, it should be noted that in 90% of cases the state certificate is also used to improve housing conditions.

Demographic situation in the region

Population The Udmurt Republic has been declining annually since 1994 to the present. Over the years, only once in 2015 was a slight increase in the total number of inhabitants recorded. Currently, according to Rosstat, the republic is home to 1 million 517 thousand people.

Other demographics look like this:

• fertility in the region has been growing since 1996, but since 2012 it has been declining. In 2016, the number of births was 21 thousand children(which is 13.8 newborns per 1000 population).
• Mortality has sharply increased twice over the past 30 years - in the early 1990s and after 1998. Fortunately, since 2003, the number of deaths in Udmurtia began to decline, and in 2016 this indicator made up 19.2 thousand people(on average, this is 12.7 deaths per 1000 inhabitants).

Thus, in general, the demographic situation in the Republic of Udmurtia is positive - the birth rate is growing, the death rate is falling, due to which, from 2009 to the present, there has been a natural increase in the region.

But at the same time total strength The population in the region still continues to decline due to the high migration of residents to other regions of Russia.

Implementation of the federal maternity capital program

As in the whole country, in the Udmurt Republic, families with two or more children since 2007 can count on a lump sum payment in the form of. This payment is aimed at increasing the birth rate and supporting families with children.

Initially, the mother capital program was designed for 10 years - until 2017. However, later it was decided for another two years. And on December 20, 2017, the State Duma adopted a presidential law to extend the program for another 3 years. Thus, both parents and adoptive parents can receive maternity capital, subject to following conditions:

• the second or subsequent child was born (was adopted) in the family during the period from January 1, 2007 to December 31, 2021;
• recipient and child must have citizenship of the Russian Federation.

The amount of financial support is 453026 rubles. To receive funds, you must issue a nominal.

Throughout the existence of the program in Udmurtia, the holders of such a certificate have become more than 105 thousand families. At the same time, more than half of them have already fully disposed of their mother's capital.

To do this, it is also necessary to own a living space for a maximum of 14 square meters per family member, or the housing must be recognized as emergency, subject to demolition.

Documents required for registration

In order to receive social benefits and compensation for the interest rate on a housing loan in Udmurtia, you must first register with the administration. To do this, you need to submit authorized body corresponding statement, accompanied by following documents:

• spouses' passports;
• passports of children over 14 years old;
• birth certificates of children;
• adoption certificate (if there are adopted children);
• marriage certificate (if the family is complete);
• a certificate from the place of work of one of the spouses, or a certificate of registration of an individual entrepreneur;
• certificate from the place of work on income for the last six months;
• extract from the USRN;
• conclusion of the commission (if the housing is recognized as emergency, etc.).

If the administration municipal district accepts positive decision and registers the family for compensation, the applicant receives a notification that lists all creditor organizations with which the Government of the Republic has concluded a relevant agreement. After that, one of the spouses must apply to one or more of these organizations within a month.

If the creditor organization decides to grant a housing loan, then the family must submit to the creditor within 15 days:

• an application specifying the required loan amount;
• spouses' passports;
• creditor's letter
• medical certificate (if the woman is at least 28 weeks pregnant).

Use of Social Housing Benefit Funds

The young family first gets interest rate compensation on a home loan issued in credit institution. Then, subject to the presence of three children at the time of the loan or in the event of the birth of a third child subsequently, the family is provided social payment in the amount of 300,000 rubles, aimed at repaying the balance of the principal debt on the mortgage.

The payment cannot be used for other purposes, all the money is transferred by the Administration non-cash directly to the account of a credit institution, and families with children, becoming participants in the program, actually become owners of a preferential mortgage and a discount on housing in the amount of 300 thousand rubles.

WE ISSUE LOANS FOR THE IMPROVEMENT OF HOUSING CONDITIONS (WITH THE POSSIBILITY OF REPAYING THE LOAN FROM MATERNITY (FAMILY) CAPITAL) WITHOUT INTERMEDIARY AND ADDITIONAL COSTS

The interest on a target loan for the acquisition (construction) of a real estate object using maternity (family capital) funds has been reduced. At the conclusion of the contract, we give pleasant gifts to the family! Behind detailed information we invite you to our offices (list of offices), the doors are always open for you!

The amount of maternity (family) capital from January 1, 2015 is453 026 rubles. The law strictly regulates what this money can be spent on. One of the areas is the repayment of principal on loans and borrowings, the purpose of which is the acquisition or construction of housing.

Credit consumer cooperative"Mutual Aid Cash" provides loans for the purchase of residential premises (apartment, room, residential building with land plot) and for the construction of residential buildings with the involvement of maternity (family) capital.

The main advantage of obtaining a loan in a cooperative is that the family no need to wait until the child is three years old. The procedure is simple: a parent with a certificate for maternity capital enters a cooperative. Then a loan agreement is concluded with him, according to which he receives funds, and then directs them to construction or pays off with the seller of real estate. Then the shareholder writes an application to the territorial Pension Fund. In this application, he indicates the type of expense where maternity capital funds are directed, and attaches a loan agreement, a sale and purchase agreement or a building permit. In the future, the Pension Fund extinguishes the debt of the owner of maternity capital that has arisen before the cooperative. In general, this is a simple and well-established mechanism, and thanks to this, documents are processed very quickly.

Repayment of a target loan with the help of maternity capital - best option attachments Money all family. Today is about 2000 families in Udmurtia, they took advantage of this particular option to improve their living conditions thanks to the help of the CCP "Mutual Aid Fund".

Customer reviews

· Karavaeva Tatiana (Izhevsk):

“At the time of buying an apartment, my eldest child was 8 years old, and my youngest was already 3 years old. So there were circumstances that the seller of the apartment did not agree to wait for transfers for his apartment from the Pension Fund for two months. It was necessary to find a quick and profitable solution to the problem. I asked for help from the CPC “Mutual Assistance Fund”, because, as a member of the cooperative, I know that they have 17 offices in Udmurtia and this organization is reliable, has been operating since 2006. I am very grateful to the staff for an accessible explanation of our sequence of actions when applying for a loan with repayment by Maternity Capital. Thanks to them, we were able to do everything quickly and on time.”

· Pashaeva Tatyana (village of Selty):

“I formalized the purchase of housing “under maternity capital” through a loan from the CPC “Mutual Assistance Fund”. I really liked how everything is correctly and accurately drawn up. They explain everything from A to Z. The specialists here are very polite, honest, hardworking. I have never heard anything bad about my competitors… In a word, I really enjoyed working with them. And, if the need arises, I will come here again and again. Thank you very much for such a team and cooperation!”

Apart from state support families with children, in Udmurtia there is a republican program that provides assistance to young families of certain categories. However, she does not provide payment in the usual way.

If the federal materiel is aimed at improving the demographic situation in the country, then a kind of regional program in the region is designed to support existing families and help them solve pressing housing issues.

Both programs operate independently of each other. Each family can use only once.

After issuing a certificate under the state program, parents, if appropriate grounds arise, have the right to apply for regional assistance to pay off a home loan.

Demographic situation in the region

Udmurtia occupies first place in terms of fertility in the Volga Federal District and 17-18 in the whole of the Russian Federation.

• Experts note an increase in the birth rate in the republic, especially second children in families.
• In 2007-2012 number of births increased by 11%, wherein:
  • the number of first-born children decreased slightly (by 5%);
  • births of the second child increased by 27%, the third - by 47%, the fourth - by 26%.

However, in general, about the viability of measures social support in the republic, including, it is difficult to speak:

• if in 2007 the population of the region was 1.538 million people, then in the first half of 2015 the figure was 1.517 million;
• population in the region continues fall, which is officially explained by migration from the region.

Implementation of the federal maternity capital program

Instead, since 2009, the region has introduced compensation payments from the regional budget to young families with children on loans taken for the purchase of housing.

In order to receive financial assistance, the family must be registered under one of the two categories:

• to obtain a housing loan in Udmurtia;
• to reimburse the interest rate on the previously taken loan.

Regulatory framework, MSC size

Social benefits are provided to families on the basis of Decree of the Government of the Udmurt Republic No. 132 "On providing young families with compensation for the interest rate on housing loans and loans and social payments for the birth (adoption) of children (having children) at the expense of the budget of the Udmurt Republic" from 01.06.2009

The loan repayment amount is 300 thousand rubles, but not more than the principal amount of the loan. For each individual family, an individual decision is made.

Payment form, where to apply for registration

To issue a certificate for the specified amount, you must submit an application to the Administration municipality at the place of work or place of residence (optional).

Addresses and phone numbers of representative offices, where you can get more accurate information, are presented on the official website of the Udmurt Republic.

Payment is made only in non-cash form by transferring funds to the account of a credit institution. This money is not allowed to be withdrawn.

Who is entitled to compensation payments?

The regulation applies to young families with children who have entered into or plan to enter into housing loan agreements, and are subject to such criteria:

• the age of each of the spouses (or one parent in an incomplete family) - no more than 35 years at the time of registration;
• birth or adoption of a third child before the loan or during the time of its payment;
• income below a certain level installed in the region;
• for foster parents raising two or more stepchildren;
• registration one of a couple at the place of residence on the territory of Udmurtia;
• length of service at the last place of work in the territory of the municipality - at least 6 months;
• maximum loan repayment term must not exceed 30 years, the first installment on the loan cannot be less 10% . Interest on a loan for purchased housing is compensated for no more than 14 m² on a family member.

Documents required for registration

The applicant submits to the local administration such documentation:

• statement with a request to register the family;
• copies of passports, marriage certificates(divorced) and children birth certificates;
• extract from the house book or a copy of the apartment card;
• certificate from the place of work the applicant, indicating the territory within which the service is carried out, and the length of service of a family member;
• certificate from government agency registering property rights to real estate objects, about the absence / presence of a family of their own housing;
• a copy of the loan agreement(if the loan agreement has already been concluded and reimbursement is expected under it);
• creditor's note on the balance of the principal debt on the loan;
• judgment on the adoption of a child (if carried out);
• other required documents.

The procedure for disposing of funds

In accordance with the decree, young families can be compensated interest rate on a previously taken loan or issued a new after registration. Compensation and payments are made according to such lending areas:

• purchase of apartments in houses under construction;
• purchase of completed residential premises in newly built houses;
• building individual residential buildings.

Funds from the regional budget intended to help a young family can be directed exclusively to acquisition of new property or loan repayment for her purchase.

Conclusion

Maternal capital in Udmurtia is paid only within. Not a single legislative act providing for a one-time payment to a family with children has been independently adopted in the republic.

Instead it works young families assistance program, within which the state helps to pay off loans for the purchase of residential real estate. In order to register and get into it, the following conditions must be met:

• the presence of at least three native or two adopted minor children in the family;
• parents' age - no more than 35 years;
• the ability to independently pay most of the housing loan.

If a loan for the purchase of an apartment was taken by the spouse of a woman who received a certificate, and the loan itself was secured by the mother-in-law's apartment, can it be repaid at the expense of maternity capital?

Yes. the federal law"On additional measures of state support for families with children" does not provide for restrictions related to the ownership of mortgage security for a loan that is planned to be repaid with maternity capital ...

The obligation to register ownership is not required only if, when applying to the Pension Fund, you will submit documents that will confirm the ownership of all family members ...

No. When submitting an application to the Pension Fund, among the entire set of documents, you will need to submit a certificate of registration of property rights. In your case, you cannot present this certificate, therefore the Pension Fund will not accept your documents ...