The expert named the optimal strategies for using mother capital when buying quarry

For Russians who purchase housing using maternity capital, it is important to choose in advance exactly how to apply this payment — for a down payment or to reduce an already issued mortgage debt. On December 13, the head of the mortgage department of Level Group, Julian Ovechkin, told Izvestia.

Since January 1, 2025, the parent capital has been indexed by 9.5%. Families now receive a little more than 690 thousand rubles at the birth of their first child. If the certificate has already been issued for the firstborn and a second child has appeared in the family, the state will pay about 222 thousand rubles in addition. In the case when the right to maternity capital is issued for the first time at the birth of a second child, the amount of payment is 912 thousand rubles. According to the Social Fund of Russia, about 45% of certificates are used specifically for improving housing conditions.

The expert explained that maternity capital can significantly reduce the financial burden of a family. Using the example of buying a studio apartment for 15 million rubles on a family mortgage at 6% per annum, he showed how the final overpayment changes depending on the method of applying the certificate.

"Having paid 4.5 million rubles of the initial payment, the actual loan amount will be 10.5 million rubles — we will issue it for 26 years (the average mortgage term in the country), having received an acceptable monthly payment of 66.5 thousand rubles. The overpayment will amount to 10.25 million rubles, that is, without early repayment, you will pay double the cost of the loan," Ovechkin said.

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If you make the mother capital as part of the initial payment, the loan will be reduced from 10.5 million to 9.6 million rubles, and the overpayment will decrease by about 850 thousand rubles. The monthly payment will decrease from 66.5 thousand to 61 thousand rubles.

However, Ovechkin called partial early repayment with a shorter loan term economically more profitable after its completion.

"We deposit 912 thousand rubles, and the total cost of the loan is reduced by 2.8 million rubles, and the term is shortened by almost five years," he said. With this approach, the overpayment is reduced to 7.4 million rubles, and the total payout time is up to 21 years. This allows you to quickly remove the encumbrance and increase the liquidity of the apartment," the specialist explained.

In addition, he added that for families with unstable incomes, it makes sense to direct the parent capital to reduce the monthly payment — this will create an additional margin of safety.

Another possible solution is to postpone the use of maternity capital until 2026, when a new indexation is expected. For a second child, the amount can grow to 974 thousand rubles, and this will already have an additional effect in reducing the mortgage term. At the same time, Ovechkin recalled that in early 2026, changes in the family mortgage program are possible, and the conditions may be revised.

Svetlana Bessarab, a member of the State Duma Committee on Labor, Social Policy and Veterans' Affairs, told Izvestia on the same day that from February 1, 2026, significant changes will take place in the system of social guarantees and benefits for families with children in Russia. As a result, the amount of maternity capital for families who have received a certificate for a second child, provided that it was not issued for the first, will amount to 974 thousand rubles. The amount of payment for the first child will reach 737 thousand rubles.

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