SFR Tula transferred 2.5 billion rubles for mortgage and purchase of housing

Since the beginning of 2026, 3.6 thousand families of the Tula region have improved their living conditions using maternity capital. For these purposes, the Department of the Social Fund of Russia in the region transferred more than 2.5 billion rubles.

More than 75 per cent of the family's funds were used to repay mortgages or make a down payment on housing loans, and the remainder was used to purchase housing without borrowing. Improving housing conditions remains the most popular direction of disposal of matkapital from year to year: families can use the certificate as a down payment, to pay off the principal on the mortgage, as well as to buy ready-made housing, build or reconstruct a house.

Andrey Filippov, Head of the SFR Office in the Tula Region, explained the key rules for the use of funds. If the family plans to pay the first installment or repay the mortgage, it can be done immediately after the birth of the child who gave the right to the certificate. To invest in the construction of a house or the purchase of finished housing without a loan, you need to wait until the child is three years old.

At the same time, one or more housing loans can be repaid with maternity capital, if all of them were issued to improve the living conditions of the family. For the convenience of citizens, you can apply for the disposal of funds directly at the bank when issuing a loan agreement, which significantly saves time and speeds up moving to new housing.

It is important to remember that housing purchased with the help of matkapital must be located on the territory of the Russian Federation, be suitable for permanent residence and not belong to a dilapidated or emergency fund for demolition. Therefore, summer cottages, not decorated as year-round housing, are not suitable for purchase at the expense of a certificate.