Чем грозит владельцам материнского сертификата изменения в законе с 18 марта 2019?

5 апреля 2019

Главных изменений два.
Неожиданными изменения не стали, о появлении в будущем говорили давно.

Материнский капитал запретили использовать для приобретения ветхого и аварийного жилья. Подобный запрет в практике Пенсионного фонда действует уже лет 6, когда приобретение ветхого и аварийного считалось ухудшением жилищных условий. Пенсионный фонд отказывал в перечислении денег в подобных случаях, такая практика поддерживалась и судами в случаях спором между родителями и государственным учреждением. Теперь такой запрет получил официальный статус.

Сокращен перечень организаций, кому переводятся деньги в счет погашения займов на приобретение жилого помещения. Этим государство поставили еще один заслон на пути «обналичивания» средств материнского капитала. Пользуясь «лазейкой» в законе под строчкой «иные организации» такие займы выдавали организации вне контроля государства.

Минусы изменений

На рынке займов под материнский капитал было много предложений, которые конкурировали ценой. Стоимость таких услуг сократилась в 1,5 раза.
Сегодня такими организациями остались только банки и кредитные потребительские кооперативы — «КПК». Банки не дают ипотеку большинству клиентов по займам под материнский капитал, остаются только КПК. Кредитных потребительских кооперативов мало. Конкуренция сокращается и цены займов увеличатся. Меньше денег остается семьям.

Плюсы изменений

На рынке займов было множество «сомнительных» организаций.
Сегодня такие уходят с рынка.

Офисы FEDESTA.ru за годы работы наладили плотные контакты как с банками, так и небанковскими организациями. Все контакты, условия и перечни документы есть в наших офисах. Приходите, мы с радостью дадим консультацию по БЕЗОПАСНОМУ использования средств материнского капитала.

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