How to pay the mortgage maternal capital?

Now, any family with children in a stock there is always a little bonus - the maternity capital that you can pay a portion of the mortgage. More to such "gifts" from the state. The size of the parent capital constantly indexed and today he has "grown" up to 365.7 thousand rubles. Get it may families in which was born or adopted a second child. And what documents are needed for matkapitala, you can see here. Money for the mortgage funds of the parent capital can not be cashed for the purchase of housing. They can send in the cost share of construction, to pay for building materials for self-building a house or to list as a down payment on the loan and payment of the mortgage. To dispose of maternity capital necessary to write a letter to the Pension Fund. It is necessary to consider the work of the bureaucracy: one month, your request will only be considered and a further 30 days can go on the transfer of funds. Subtleties of the law of the parent capital is issued to the woman, but the mortgage is most often - on the man, as head of the family. This legal case had raised questions, because in fact the woman pays for a loan of another person, even if he is her husband. But now a "hole in the law" repaired. Should take into account that the money be spent to pay penalties and interest on the loan.