There are federal and regional programs of social mortgage lending, each of which provides for its own benefits and interest rates, as well as the procedure for repaying loan debt. Due to the subsidies allocated by the state, only part of the mortgage can be repaid, while the rest of the payments are transferred to the full zone of responsibility of the borrower and co -borrower. At the same time, it is very important to consider that buying an apartment under the social mortgage program does not give the owner of the apartment the right to receive a tax deduction, as in the case of buying an ordinary liquid apartment. So, to count on receiving 260 thousand rubles, due to which you can pay off part of the main debt on the loan, unfortunately, you do not have to. But you can pay maternal capital, which is completely not prohibited by applicable law. Maternity capital can also act as an initial contribution.