How to take a loan for maternity capital in Sberbank?

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

How to take a loan for maternity capital?

Strange as it may seem, this is what is meant by loan repayment. All the salt lies precisely in the concept of consumer lending. The thing is that loans that are provided to individuals in banks can be considered consumer, as they are taken for the purpose of purchasing goods or paying for services. There are no other options for using money, except that they are only put aside for a rainy day. Although it is unlikely that someone will take a loan for this purpose.

What kind of loan for maternity capital in Sberbank to choose?

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

A loan for maternity capital in Sberbank

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

Will the list be expanded?

A loan for maternity capital in Sberbank and other banks can be said to be provided only for mortgages. But some time ago legislators were asked to make a list more and give the opportunity to use capital to buy a new car. But so far this proposal is still at the stage of discussion. For this reason, partial payment or full, and even more so a car loan for those who have two or more children, is not provided. In addition, you can not repay loans for education, since you can pay for training only when you transfer funds to an educational institution. Credit intermediaries are not specified in the law.

Also what as a result remains?

Very little. First of all, you can get a mortgage, that is, a loan, where the security is a purchased apartment, and until it is repaid, it will be pledged. In addition, banks offer loans that can be spent only on the purchase of real estate. The difference is that the pledge will not be an apartment, but another property. It is exactly such a loan for maternity capital in Sberbank and other banks that can be obtained.

As for the first installment ...

There's one catch here. The whole point is that each loan for the purchase of an apartment can not do without a down payment. After the financial crisis has come, 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 loan for maternity capital can provide.