Как совершить погашение ипотеки материнским капиталом?

Автор: admin  //  Рубрики: Азбука недвижимости

 

kak-sovershit-pogashenie-ipoteki-materinskim-kapitalom-1

Как совершить погашение ипотеки материнским капиталом?

Молодые семьи, купившие жилье в кредит, часто прибегают к погашению ипотеки при помощи материнского капитала. Этот метод требует знания определенных нюансов. Вот и разберемся с тем, какие особенности имеет погашение ипотеки материнским капиталом.

Правила и особенности погашения кредита семейным капиталом

По закону ипотеку можно погасить, используя средства, выделяемые семьям в качестве материнского капитала. Более того, семьям, в которых двое и более детей, согласно закону банки не могут отказать в приеме материнского капитала в качестве оплаты кредита.

Существуют следующие варианты оплаты кредита:

- выплата первого положенного взноса;

- выплата основной части ипотечного займа;

- компенсация процентов по долгу.

Из возможных вариантов первый считается менее выгодным, так как в дополнение банк предлагает довольно высокую процентную ставку.

Второй вариант предусматривает начисление процентов не на весь кредит, а значит, заемщики меньше потеряют. Оплата материнским капиталом только процентов, как правило, выгодна только банку и встречается на практике редко.

 

Какие документы нужны для предоставления в банк?

kak-sovershit-pogashenie-ipoteki-materinskim-kapitalom-2

Ипотеку в полном объеме либо ее часть погасить при помощи материнского капитала можно, предоставив банку такие документы:

- паспорт заемщика;

- сертификат о получении материнского (или семейного) капитала;

- заявление о желании заемщика досрочно погасить займ.

При подаче таких документов заемщику выдают справку, в ней указывают все данные о кредите, включая сумму, подлежащую выплате, и проценты, которые следует уплатить банку.

Со всеми этими документами направляются в Пенсионный фонд, где для одобрения погашения займа при помощи материнского капитала снова подают определенное заявление, к которому прилагают некоторые документы:

- паспорт;

- сертификат на получение семейного капитала;

- кредитный договор;

- документы на квартиру;

- заявление заемщика о желании перевести полученный по закону материнский капитал в счет погашения ипотеки;

- обязательство заемщика, которым он подтверждает готовность оформить долевую собственность на купленное таким образом жилье в после окончания погашения долга (должно быть заверено у нотариуса);

- прочие требуемые документы.

Как правило, погашение ипотеки материнским капиталом возможно почти всегда. Исключение составляют случаи, когда заемщик подает не весь перечень документов, допускает какие-то ошибки в заявлении, либо когда родители лишены родительских прав.

С уважением, Андрей Ляпустин

Видео на тему:

Как погасить ипотечный кредит материнским капиталом

 

Просьба Автора

Related posts:

Метки: , ,

61 комментариев к записи “Как совершить погашение ипотеки материнским капиталом?”

  1. business week сказал:

    Pretty nice post. I just stumbled upon your weblog and wanted to say that I’ve truly enjoyed browsing your blog posts. In any case I will be subscribing to your feed and I hope you write again very soon!

  2. earth home designs сказал:

    I would like to convey my gratitude for your kind-heartedness giving support to men who really want guidance on your area of interest. Your real commitment to passing the message across had become astonishingly important and has truly helped girls like me to achieve their aims. Your own invaluable publication entails much to me and substantially more to my mates. Regards; from everyone of us.

  3. Alonso Vieyra сказал:

    Some genuinely nice and useful information on this internet site, besides I think the layout holds superb features.

  4. Cherie Castrellon сказал:

    Thanks for your article on the traveling industry. I will also like to add that if you are a senior contemplating traveling, its absolutely vital that you buy travel cover for golden-agers. When traveling, older persons are at greatest risk of experiencing a health emergency. Having the right insurance cover package for your age group can look after your health and provide peace of mind.

  5. family business сказал:

    I definitely wanted to construct a small word to be able to thank you for some of the fantastic concepts you are posting here. My rather long internet lookup has finally been recognized with professional tips to share with my partners. I would assert that many of us website visitors actually are undoubtedly lucky to be in a remarkable place with very many perfect people with valuable ideas. I feel very fortunate to have discovered the webpage and look forward to tons of more brilliant minutes reading here. Thank you again for all the details.

  6. Israel Meisinger сказал:

    Somebody necessarily assist to make severely articles I would state. This is the first time I frequented your web page and to this point? I surprised with the research you made to create this actual submit incredible. Wonderful task!

  7. investing business сказал:

    I¡¦ve been exploring for a little for any high-quality articles or weblog posts in this sort of space . Exploring in Yahoo I eventually stumbled upon this website. Studying this info So i¡¦m glad to convey that I have an incredibly just right uncanny feeling I found out just what I needed. I so much for sure will make sure to don¡¦t put out of your mind this website and give it a look regularly.

  8. how do slot machines work сказал:

    It’s the best time to make some plans for the future and it’s time to be happy. I have read this post and if I could I desire to suggest you some interesting things or tips. Maybe you can write next articles referring to this article. I want to read more things about it!|

  9. financing сказал:

    Whats Happening i’m new to this, I stumbled upon this I’ve discovered It positively useful and it has aided me out loads. I am hoping to give a contribution & aid other customers like its helped me. Great job.

  10. Ernesto Cassis сказал:

    My brother suggested I would possibly like this web site. He was once totally right. This post actually made my day. You cann’t imagine simply how a lot time I had spent for this information! Thanks!

  11. fitness сказал:

    You can definitely see your expertise in the work you write. The arena hopes for even more passionate writers like you who aren’t afraid to say how they believe. All the time follow your heart.

  12. Weight Loss Tips сказал:

    Undeniably believe that which you said. Your favorite justification appeared to be on the internet the easiest thing to be aware of. I say to you, I definitely get irked while people consider worries that they just don’t know about. You managed to hit the nail upon the top and also defined out the whole thing without having side effect , people can take a signal. Will probably be back to get more. Thanks

  13. Ronda Willert сказал:

    Today, with all the fast lifestyle that everyone leads, credit cards have a huge demand throughout the market. Persons from every area are using credit card and people who aren’t using the credit card have made up their minds to apply for one in particular. Thanks for sharing your ideas in credit cards.

  14. free mobile casino games сказал:

    of course like your website however you need to take a look at the spelling on several of your posts. A number of them are rife with spelling problems and I in finding it very troublesome to inform the reality then again I’ll certainly come back again.|

  15. Pools Plus of the Carolinas сказал:

    We certainly have an extraordinarily chummy relationship with our users or buyers and additionally we arrange very obvious purposes towards hitting their reasoning and consequently producing the top rated popular products and services only as opposed to more robust high-priced boutiques at competitively priced rates.

  16. slot machines online real money сказал:

    Very shortly this website will be famous among all blogging and site-building viewers, due to it’s good content|

  17. Esmeralda Castanado сказал:

    Thanks for the tips you have contributed here. Another thing I would like to state is that pc memory needs generally increase along with other breakthroughs in the technological know-how. For instance, whenever new generations of processors are made in the market, there’s usually a matching increase in the size calls for of all personal computer memory along with hard drive space. This is because the software program operated by means of these processor chips will inevitably boost in power to take advantage of the new engineering.

  18. ice сказал:

    obviously like your web-site however you have to check the spelling on quite a few of your posts. A number of them are rife with spelling issues and I to find it very bothersome to tell the reality nevertheless I’ll definitely come again again.

  19. Ria Tiberi сказал:

    One other issue is that if you are in a problem where you do not have a cosigner then you may genuinely wish to try to exhaust all of your school funding options. You could find many grants or loans and other free college funding that will offer you funds to help you with education expenses. Thanks alot : ) for the post.

  20. ice сказал:

    Thanks for your write-up. One other thing is individual states in the United states of america have their very own laws in which affect home owners, which makes it extremely tough for the the legislature to come up with a different set of rules concerning foreclosure on house owners. The problem is that a state features own regulations which may work in a damaging manner in terms of foreclosure policies.

  21. link сказал:

    I’m not that much of a online ginerity reader to be honest but your sites really nice, keep it up! I’ll go ahead and bookmark your website to come back later on. All the best

  22. roulette сказал:

    A person necessarily assist to make significantly posts I might state. That is the first time I frequented your web page and up to now? I surprised with the analysis you made to create this actual publish amazing. Fantastic process!

  23. fall fashion trends сказал:

    I’ve been absent for a while, but now I remember why I used to love this blog. Thanks , I will try and check back more frequently. How frequently you update your website?

  24. Education сказал:

    Hello, Neat post. There is an issue along with your website in web explorer, may check this¡K IE nonetheless is the market leader and a good element of other people will miss your fantastic writing due to this problem.

  25. visit our website сказал:

    I think this is one of the most significant info for me. And i’m glad reading your article. But wanna remark on some general things, The web site style is perfect, the articles is really nice : D. Good job, cheers|

  26. Basketball сказал:

    Great post. I was checking constantly this blog and I am impressed! Extremely useful info specially the last part :) I care for such info much. I was seeking this certain information for a long time. Thank you and best of luck.

  27. Personal Injury Lawyer сказал:

    I have to express my appreciation to this writer just for bailing me out of this condition. After browsing throughout the internet and getting techniques which are not pleasant, I thought my life was well over. Living devoid of the approaches to the problems you have resolved by way of your good post is a crucial case, and the ones that could have negatively damaged my entire career if I had not noticed the website. Your own know-how and kindness in playing with all the details was vital. I’m not sure what I would’ve done if I hadn’t discovered such a step like this. I can at this time relish my future. Thanks so much for your impressive and sensible help. I won’t be reluctant to endorse the sites to any individual who needs care on this area.

  28. Education сказал:

    You could certainly see your expertise in the work you write. The sector hopes for more passionate writers like you who aren’t afraid to mention how they believe. Always follow your heart.

  29. visit here сказал:

    Its not my first time to go to see this website, i am browsing this website dailly and take nice data from here daily.|

  30. this post сказал:

    What i don’t realize is actually how you’re no longer really a lot more neatly-preferred than you may be now. You’re so intelligent. You realize thus significantly in relation to this subject, made me for my part believe it from so many numerous angles. Its like men and women don’t seem to be interested until it is something to do with Lady gaga! Your personal stuffs great. Always take care of it up!|

  31. Thersa Aultz сказал:

    My husband and i have been very happy John managed to finish off his web research from your ideas he was given out of your web site. It is now and again perplexing to just choose to be freely giving steps which usually many people might have been making money from. We understand we have the website owner to thank because of that. The entire illustrations you’ve made, the straightforward web site menu, the friendships you will help foster — it’s mostly sensational, and it’s really making our son and us believe that that issue is enjoyable, which is quite serious. Many thanks for everything!

  32. Recommended Online site сказал:

    Have you ever thought about publishing an e-book or guest authoring on other sites? I have a blog based on the same topics you discuss and would love to have you share some stories/information. I know my readers would appreciate your work. If you’re even remotely interested, feel free to shoot me an e-mail.|

  33. view it now сказал:

    I read this article fully concerning the resemblance of most up-to-date and preceding technologies, it’s awesome article.|

  34. toni сказал:

    If you are going for best contents like I do, only pay a visit this website all the time for the reason that it presents quality contents, thanks|

  35. kawalerka warszawa сказал:

    Keep working ,terrific pdodisys job!

  36. best male enhancement сказал:

    An individual a little something will be able to say chances are it becomes wow! I am glad great post.

  37. click here. сказал:

    Thank you for any other informative website. The place else may just I get that type of info written in such an ideal way? I’ve a challenge that I’m simply now operating on, and I have been at the look out for such information.|

  38. other сказал:

    Hello this is kind of of off topic but I was wondering if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding experience so I wanted to get advice from someone with experience. Any help would be enormously appreciated!|

  39. Administrative Law сказал:

    I keep listening to the newscast lecture about getting boundless online grant applications so I have been looking around for the best site to get one. Could you advise me please, where could i acquire some?

  40. Cheap Car Insurance сказал:

    I have learn some just right stuff here. Certainly price bookmarking for revisiting. I wonder how much effort you put to make this sort of fantastic informative web site.

  41. Hilario Fontanella сказал:

    A formidable share, I just given this onto a colleague who was doing a bit evaluation on this. And he actually bought me breakfast as a result of I discovered it for him.. smile. So let me reword that: Thnx for the treat! However yeah Thnkx for spending the time to debate this, I really feel strongly about it and love reading more on this topic. If potential, as you turn into expertise, would you mind updating your weblog with more particulars? It is highly useful for me. Massive thumb up for this blog post!

  42. Shenita Absher сказал:

    I’m not certain the place you are getting your info, but great topic. I must spend a while learning more or figuring out more. Thank you for excellent information I used to be on the lookout for this information for my mission.

  43. Providencia Weatherman сказал:

    My brother recommended I might like this website. He was totally right. This post truly made my day. You can not imagine simply how much time I had spent for this info! Thanks!

  44. flagi сказал:

    This design is steller! You obviously know how to keep a reader amused. Between your wit and your videos, I was almost moved to start my own blog (well, almost…HaHa!) Great job. I really enjoyed what you had to say, and more than that, how you presented it. Too cool!

  45. zasłonówka сказал:

    Hello there, On the outset I might love to thanks to the hard work put into producing the posting and apologize for my English. He helped me immensely, and a few facts grew to become obvious to me. In particular individuals contained within this piece of writing: BLOGURL. Will place a url on my Facebook websites. Positive I’ll give the identify: BLOGTITLE, in order that my associates have an interest in it :) and that i have a good number of close friends who’re involved in personal computers and anything and everything linked to them. Regards NAME.

  46. 韓国カラコン сказал:

    Hello There. I found your blog using msn. This is a really well written article. I’ll make sure to bookmark it and come back to read more of your useful info. Thanks for the post. I’ll certainly comeback.

  47. write my essay сказал:

    Heya i’m for the first time here. I came across this board and
    I find It truly useful & it helped me out much. I hope
    to provide something again and help others such as you helped
    me.

  48. xxx сказал:

    I’m impressed, I must say. Seldom do I encounter a blog that’s
    both educative and amusing, and let me tell you, you’ve hit the nail on the head.
    The problem is something not enough men and women are speaking intelligently about.

    I am very happy that I stumbled across this during my hunt for
    something concerning this.

  49. Remedio Caseiro Para Hemorroida Sangrando сказал:

    Wow, awesome blog layout! How long have you been blogging for?
    you make blogging look easy. The overall look of your web site is excellent, as well as the content!

  50. http://www.mglobalcenter.com/qanda/66828 сказал:

    You actually make it seem so easy with your presentation but
    I find this matter to be really something that I think I would never understand.
    It seems too complex and extremely broad for me.
    I am looking forward for your next post, I’ll try to get the hang of it!

  51. Career And Jobs сказал:

    Hey There. I found your blog using msn. This is an extremely well written article. I will make sure to bookmark it and return to read more of your useful information. Thanks for the post. I will definitely return.

  52. Health and Fitness сказал:

    Thanks for all of the efforts on this site. My mother really loves making time for investigation and it is easy to see why. Many of us hear all about the dynamic ways you produce insightful solutions through this web blog and therefore strongly encourage contribution from people on that point plus my princess is without question learning a whole lot. Take advantage of the rest of the year. You’re the one conducting a stunning job.

  53. Education сказал:

    I’m not sure where you are getting your info, but good topic. I needs to spend some time learning more or understanding more. Thanks for wonderful info I was looking for this information for my mission.

  54. Health and Fitness сказал:

    Pretty section of content. I just stumbled upon your website and in accession capital to assert that I acquire in fact enjoyed account your blog posts. Anyway I will be subscribing to your augment and even I achievement you access consistently fast.

  55. Dating сказал:

    Thank you a lot for providing individuals with an extremely wonderful chance to check tips from this website. It is always very ideal plus jam-packed with fun for me and my office friends to visit your web site at least thrice in one week to read the fresh issues you have. And indeed, we are usually fulfilled with your astounding thoughts served by you. Certain 2 points in this posting are in fact the most beneficial we have had.

  56. Jess Imondi сказал:

    Today, while I was at work, my cousin stole my iphone and tested to see if it can survive a 40 foot drop, just so she can be a youtube sensation. My iPad is now broken and she has 83 views. I know this is entirely off topic but I had to share it with someone!|

  57. Home Improvement сказал:

    Thank you for the sensible critique. Me and my neighbor were just preparing to do some research about this. We got a grab a book from our area library but I think I learned more from this post. I am very glad to see such wonderful information being shared freely out there.

  58. Education сказал:

    I truly enjoy examining on this site, it holds superb content . «Beauty in things exist in the mind which contemplates them.» by David Hume.

  59. Home Improvement сказал:

    Nice read, I just passed this onto a friend who was doing a little research on that. And he just bought me lunch because I found it for him smile So let me rephrase that: Thanks for lunch! «Too much sanity may be madness. And maddest of all, to see life as it is and not as it should be» by Miguel de Cervantes.

  60. cash for cars Cranbourne сказал:

    whoah this blog is excellent i love reading your articles. Keep up the great work! You know, many people are looking around for this information, you can aid them greatly.

  61. kit de uñas acrilicas сказал:

    I truly enjoy reading on this site, it contains good blog posts. «Never fight an inanimate object.» by P. J. O’Rourke.

Оставить комментарий