Russians heard about maternity capital relatively recently - in 2007. There was a lot of controversy and various rumors about this idea. The social program has both supporters and opponents. Nevertheless, the program is working successfully. And today we’ll talk about what documents are required to receive maternity capital at the moment.
Who qualifies for a certificate?
It is received by citizens in whose family a second (or next) baby was born. Parents who have adopted a third or more child also have the right to it. Of course, if they have not previously used the right to receive a certificate. Since 2007, more than 5 million families have become its owners.
According to the law, the child who gives the right to receive a certificate must appear in this world before December 31 (inclusive) of the following year 2016. The use of the certificate itself has no time limit. Family (maternity) capital money can be used to improve living conditions, as well as to pay for the education of children or a pension for the mother. They may be used in whole or in part.
The amount of maternity capital in 2007 was the full 250 thousand rubles, for 2014 it is 408,960.5 rubles. The social program pursued the main goal: increasing the birth rate in Russia, which was achieved.
Maternity capital: what documents are needed
The program has been running for a long time. And yet, the question is often asked: “How is it allowed to use maternity capital, what documents are needed?” Collecting them should not be difficult, since the necessary papers for obtaining are at your home. The required documents for maternity capital in 2014 have not changed since 2007. They must be submitted to a special commission at the place of permanent residence or registration.
The list of documents for obtaining maternity capital includes:
- the parent's passport and its photocopy - the pages of the document, where personal data, registration, children are indicated;
- certificates confirming the birth of children, as well as their photocopies;
- marriage certificate of the applicant, a photocopy of the document;
- applicant, a photocopy of the document.
- (SNILS) of the applicant and children.
In case of remarriage, you must additionally add to the package of documents for issuing a certificate:
- certificate that the previous marriage was annulled and its photocopy;
- a certificate from the registry office, corresponding to the form F-28 (represents a certificate of a previous marriage).
These documents for obtaining maternity capital are provided by the mother of the children. There are times when the father receives it. For example, if the mother of the baby died or was deprived of her parental rights by the court.
In cases where the mother has died, the documents for obtaining maternity capital are completed with the following certificates:
- death certificate;
- decision of the court that issued the decision to declare the death of the mother.
In the same cases when the mother is deprived of the rights in relation to the child by the court, the following shall be attached:
- documents confirming illegal acts against the child;
- the court's decision.
In some cases, the child may personally receive this payment. Papers are added to the above list, officially containing data confirming the death of his parents.
Where to send funds?
Funds received under this state program are still allowed to be used in three ways: to improve living conditions, any education for children, and pensions for the mother.
According to statistics, citizens spend money mainly on improving living conditions, and only a small percentage - on the education of children or on the funded part of the mother's pension.
Acquisition of housing
Today, buying a home for a young family is not so easy, given the constant increase in real estate prices. Maternity capital will be of great help in this matter, because one of the directions for its use is precisely the improvement of living conditions.
This concept refers to the reconstruction of housing, purchase, construction. Perhaps with the help of a certificate and mortgage repayment. It should be remembered that in order to be able to send money to improve living conditions, the child must be at least 3 years old at this time. You can use the funds immediately if the goal is to repay the loan. Moreover, only the debt or interest is repaid, it is impossible to repay fines or delays.
When buying housing for maternity capital, it should be borne in mind that it must be located on the territory of our country. The owner can be either the mother or the spouse. When applying for a mortgage, it should be remembered: the contract must state that there are no other co-borrowers except for the mother and spouse, and that the registration of property did not involve relatives.
Child's education
Funds can be directed to the education of one of the children, including the use of funds to pay for preschool education. It is allowed to pay with maternity capital for a preschool institution of a state / non-state type that has a license and accreditation.
You can also divide the funds to pay for the education of all children. You can split the funds and use only a part in any of the three possible directions.
If parents decide to change the school, university or preschool institution for their child, they should definitely notify the Pension Fund, that is, write a corresponding application. From this moment on, the money allocated for the education of the child will be transferred to the account of another educational institution.
Allocation of funds under the program to the mother's pension
In addition to improving the standard of living, paying for children's education, there is another area of the social program. This is a redirected maternity capital - a "pension" option. If the option was chosen with the transfer of funds for the mother, then later it is always possible to redirect the funds (or part of them) to education or to improve housing. The main thing is that this operation should be carried out before the appointment of a pension. You only need to come to the Pension Fund and write a corresponding application.
The law of the Russian Federation does not allow the issuance of family capital in "live" money. This is illegal and is a scam. The purchase of maternity capital is also prohibited by law. Although a lot of such ads have appeared on the Internet, such actions are considered illegal.
Capital funds can be received in cash only upon reaching retirement age. To transfer funds to the expense of the certificate, only an application is required, no other additional documents are needed.
In different regions of the Russian Federation, it is planned to continue to pay maternity capital at the regional level.
Is it possible to refuse a certificate?
Possible if:
- there is no or terminated the right to additional measures of state support;
- in case of indication of unreliable or incorrect information in the application;
- parents are deprived of the right to raise their first child;
- the child born is not a citizen of the Russian Federation;
- the family received maternity capital earlier.
Has maternity capital changed in 2014?
In 2014, it became known that the Ministry of Labor was working on a bill regarding maternity capital. The purpose of this draft law is to develop conditions under which the funds of the certificate can be used as an option for repaying loans (purchasing a home). Also, this bill takes into account measures to prevent fraud. While this bill is under consideration.
If adopted, it will include provisions that will provide a list of organizations with which it is impossible to enter into credit relations. Family capital may be used only by credit cooperatives or large organizations. Their work will be strictly monitored by government agencies.
If the institution fails to comply with the norms established by law, then lending operations where it is planned to use funds from maternity capital will be prohibited. Citizens wishing to repay a loan for construction or purchase with maternity capital will have to apply only to organizations specified by law.
Cooperation with Sberbank
In order to profitably improve housing, build a house at the expense of public funds (maternity capital), Sberbank offers a program for lending to citizens “Mortgage plus maternity capital”. According to the terms of the bank, citizens will be able to repay the loan with the help of MK. Other programs are also available to the public:
- a loan for the purchase of ready-made housing;
- loan for housing under construction.
As soon as the maternity capital certificate is in hand, citizens will be able to take advantage of these programs. The main advantage of the mortgage program is that you can get a loan with the help of maternity capital, which ensures the payment of the down payment.
Documents for obtaining a loan (mortgage)
To apply for a mortgage, you need a standard set of documents for concluding an agreement, a certificate, a certificate from the Pension Fund on the balance of funds.
Getting a mortgage doesn't take long. The term for consideration of the application of citizens is five days. It can be issued to any of the spouses. It should be remembered that maternity capital cannot be cashed out (pursued by the Law of the Russian Federation) or transferred for use to another person, and it is also impossible to receive a tax deduction.
Until what year is the maternity capital valid?
Many citizens are worried about what will happen next with maternity capital? After all, everyone knows that the force of the law, which entered into force in 2007, ends by 2016. There is an opinion that maternity capital should be used before this period, otherwise it will cease to operate. This information is false. The certificate does not expire, meaning it will remain valid even after the program's conditional termination date. Citizens will be able to use it at any time convenient for them.
But do not forget that a child should be born (adopted) before December 31, 2016. Many deputies of the State Duma express their opinion in favor of extending the law until 2025.
