How to get a loan for maternity capital in Sberbank?

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Proposals for full or partial repayment of a consumer loan at the expense of maternity capital are found almost everywhere. Although today the commission of this action is considered illegal and is almost impossible. What is actually offered under the repayment of the loan?

How to get a loan for maternity capital?

As odd as it may be, that's exactly what is meant by repaying a loan. All the s alt lies precisely in the concept of consumer lending. The thing is that loans that are provided to individuals in banks can be considered consumer loans, as they are taken for the purpose of purchasing goods or paying for services. There are no other options for using money, except to save it for a rainy day. Although it is unlikely that anyone will take a loan for this purpose.

What loan for maternity capital inSberbank choose?

Loans for special needs are allocated to separate groups, but they do not cease to be consumer loans. They just got other names that directly indicate their purpose. The rest of the loans, for which banks do not track the purpose of issuing funds, also have their own names, which may indicate the conditions for their provision. With the help of such loans, household appliances are bought, repairs are made, the purchase of furniture is paid for, and so on. It is they who are considered consumer customers, and it is they who they hope to pay at the expense of this capital.

Loan for maternity capital at Sberbank

But, whatever one may say, this cannot be done. In general, maternity capital can be used for three purposes: for the funded part of the future pension of the mother, for the education of the baby and the improvement of living conditions. At the same time, it is not the gluing of new wallpapers or the purchase of household appliances that is considered an improvement, but the acquisition of residential real estate itself or its construction. It is clear that this has nothing to do with most consumer loans.

Will the list be expanded?

A loan for maternity capital in Sberbank and other banks, one might say, is provided only for mortgages. But some time ago, legislators proposed to make the list larger and give the opportunity to use capital to buy a new car. However, this proposal is still under discussion. For this reason, partial or full payment, and even more so a car loan for those who have two or more children, is notprovided. In addition, it is impossible to repay loans for education, since tuition can only be paid for by transferring funds to an educational institution. Credit intermediaries are not specified in the law.

And what will be left in the end?

Not much. First of all, you can get a mortgage, that is, a loan where the collateral will be the purchased apartment, and until it is repaid, it will be pledged. In addition, banks offer loans that can only be used to purchase real estate. The difference is that the collateral will not be an apartment, but other property. It is such a loan for maternity capital in Sberbank and other banks that you can get.

As for the down payment…

There is one catch here. The thing is that every loan for the purchase of an apartment is not complete without a down payment. After the financial crisis came, no bank provides the full amount of the cost of housing - at best, only 90 percent, the remaining ten are paid by the buyer. To date, only VTB-24 and Sberbank can provide a loan for maternity capital.