The state Duma adopted in the first reading a bill to simplify mortgage refinancing for families with children, the correspondent “of Rosbalt”. The proposed changes simplify the process of refinancing of mortgage loans, including with use of means of the parent capital, reduce the risk of new creditors in the execution of the software, which allows to lower the interest rate on the loan and protect the interests of the borrower and comply with the interests of the child by granting him a share in the ownership of the final repayment of the loan, assured the Duma. With this purpose, canceled the need to obtain the consent of bodies of guardianship and guardianship on the transfer of a mortgage of residential premises purchased at the expense of means of the parent capital, and also issue a General property of the family estate, the stage of change of creditor. This creates additional tools for the protection of minors and possible future buyers. So, the information that the maternity capital was used when obtaining a mortgage will be reflected in the title documents.
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