Russian banks do not know how to combine refinancing mortgages and matkapital
Representatives of the Association of Russian Banks stated that they had Unresolvable problem with mortgage refinancing for families with children, if it was paid using maternity capital funds.
It is the fact of using maternity capital that complicates the task of replacing loan conditions with more favorable ones for the family.
If the family with children originally paid the mortgage loan with the help of matkapitala, but now she wants to re-register the mortgage at a reduced rate set at 6% per annum, her apartment or house should be pledged to a new financial institution.
But part of the apartment, paid for by means of matkapital, belongs to the child and without the consent of the guardianship bodies to change the terms of the contract bankers can not.
In the guardianship reigns complete misunderstanding of what is happening, and therefore they don't give permission, After all, logically, the new loan worsens the financial status of the baby.
A bank that does not have such a permit cannot make a pledge, respectively, there is only one way out - to raise interest rates on a loan or refuse a family.
The bankers appealed to the authorities with a request to draw up detailed recommendations and instructions for the representatives of the guardianship agencies, and it is not yet possible to establish a dialogue with them. If uniform criteria are created for the guardianship and trusteeship bodies, the number of unjustified refusals will decrease, and families can easily get mortgage loans at 6% per annum.