Family capital (MK) - material support,It is intended for families with two or more children. Financing of "remuneration" is made at the expense of federal funds. Such a program has been in operation since 2007.
Family capital will be given only to the holdera special nominal certificate, the term of which is not limited. Thus, the use of the certificate for maternity capital does not imply any timeframe.
The objectives of the implementation of the project "Maternity Capital":
Before you get a certificate for the mothercapital, or rather, to claim its receipt, you should make sure that you have the right to do so. The right to receive this financial support comes into force after the family has acquired at least a second child.
As you already understood, in order to obtain federalfinancial support first of all you need a certificate. The procedure for issuing it is more than transparent. After the birth of a crumb, the parents must register the baby in the registry office within 30 days in order to obtain a birth certificate, complete the package of documents at the passport office at the place of actual residence or residence permit.
Issue of certificate for maternity capitalis carried out on the basis of the filing of the above documents and a special application form, as well as a passport to the territorial department of the Pension Fund of Russia (PFR), which you can contact at any time after the birth of a child.
Documents for the certificate (maternity capital)are subject to a thorough check by employees of the Pension Fund (maximum 30 days after their submission by the applicant). And only after this check is issued a certified document.
Ways of registration of a security
Registration of the certificate for the maternity capital takes place by applying to the Pension Fund in the presence of the following documents:
1. Application for a certificate for maternity capital. The form of the application is established by the state The form can be obtained from the Pension Fund directly when you issue a certificate and fill it in place or download the application online and compile it yourself at home.
2. A document identifying the applicant (usually a new mother's passport) and proving the existence of a residence permit in the territory of Russia.
3. Document proving the existence of mandatory pension insurance.
4. Documents confirming Russian citizenship.
5. Birth certificate of the baby or the decision of the judicial authorities on the adoption of children.
Before you get a certificate for the mothercapital, you have to decide what you will spend non-cash means, because in the application submitted to the FIU, this information will need to be indicated. And if this is done haphazardly, to indicate the wrong figures, then the request for a request for disposition of the funds of the parent capital will not be approved.
A Russian citizen and a foreigner residing in theterritory of Russia, has the right to maternity capital. How to get a certificate, we have already considered, now let's determine who and in what specific cases can act as subjects of the action of the program "Mother Capital".
The receipt of a certificate for maternity capital is possible only if a number of requirements are fulfilled:
Currently, a certificate for maternity capital is issued on the territory of the Russian Federation, a sample of which is presented below.
If the FIU authorities decided not to satisfyapplication for the issuance of MC, do not give up - you need to fight. History knows cases when the right to have a state certificate for maternity capital was proved through the prosecutor's office. Each case is individual, each application is considered privately, so when you were refused for the first time, find out the reason and file an application and all the related documents repeatedly, and if you are refused again - contact the highest authorities and justice.
From year to year the amount of family capital is subject to change.
Its indexation is carried out depending on the economic situation in the country and the level of inflation.
Consider the level of indexation and the amount of family capital by years, starting from the year of introduction of the program.
| Dynamics of changes in the size of MC by year | ||
| Period | Indexing level | MK size |
| 2007 | - | 250.0 thousand rubles. |
| 2008 year | 10.5% | 276,250 thousand rubles. |
| year 2009 | 13.0% | 312,162 thousand rubles. |
| 2010 year | 10.0% | 343,378 thousand rubles. |
| 2011 | 6.5% | 365,698 thousand rubles. |
| year 2012 | 6.0% | 387,640 thousand rubles. |
| year 2013 | 5.5% | 408,960 thousand rubles. |
| year 2014 | 5.0% | 429,408 thousand rubles. |
| 2015 | 5.0% | 450,878 thousand rubles. |
Maternity capital as state supportis protected by law, in accordance with which the mechanism of using financial assistance is implemented. The goal that drives this mechanism is the exclusion of the possibility of monetary fraud, fraud and exploitation of children from mercenary motives, as well as increasing the efficiency of using MC funds. Proceeding from the legislative act, if the certificate for the parent (family) capital is received, it should be used after a period of three years. However, in 2009, taking into account the crisis situation in the country's economic sphere, the state made it possible to use the MC to repay the loan obligations on the mortgage immediately after the certificate was issued.
The law provides for several areas where you can spend non-cash certificate funds.
1. Improvement of living conditions. It is understood that family capital can be spent on the purchase of housing or its construction.
This includes the introduction of funds for the purpose ofrepayment of credit obligations under the mortgage program or a cash loan for the purchase of housing, and participation in housing construction cooperatives. In this case, the following conditions must be observed:
- Purchased housing, or housing, which is under construction, should be located within the Russian state;
- Mortgage loans must be issued not to one of the spouses, but to both.
Non-cash state aid is allowedto make as an initial payment for a mortgage loan, to repay the loan obligations, or to use it as additional money in the acquisition of housing. Where the money will go is up to you. If you have already bought a house, and it is an object of mortgage lending, the possibility of making a MK as a contribution is subject to consideration by the banking institution exclusively on an individual basis. There may be some problems.
2. Payment of educational services for one or several children. Maternity capital can act as a guarantor of education.
At the same time, one person and all children in the family have the opportunity to become a certified specialist.
Requirements to be observed:
- the educational institution must be located within the country;
- the educational institution should have an appropriate level of accreditation;
- the age category of the entrant should not belong to the group "25+".
A certificate for educational purposes can be used at any time when such a need arises.
As for the educational institution, the choice is quite wide:
Documents for the certificate (maternity capital), if the target direction of using financial assistance is to receive educational services, the following are needed:
3. Increase in the accumulative part of pension payments for mothers. Means MK can be involved as a contributory component of a pension for females. In this case, the funds are subject to placement in the pension fund.
For example, if you want to spend MK ontraining and payment of mortgages in the same ratio, the total amount of state aid is divided into two and transferred by the Pension Fund in accordance with the requisites specified in the application. When money resources of the state help are already spent in full, the FIU undertakes to notify the holder of the certificate on the termination of the right to state support.
In the event that as a way of using family capital is the creation of a cumulative part of the maternity labor pension benefits, the package of securities must contain:
In order to be able to use money and determine them in the chosen areas, you should apply again to the FIU and file an application for the disposal of the MC.
Cash out and sell maternity capitalis impossible. This is prohibited at the legislative level, in fact, the same way as issuing MCs in cash. Despite this, an announcement about the acquisition of family capital can be found more often. What does this mean? This means that it is planned to conduct a fictitious transaction with the purchase of real estate, under which one of the parties to the agreement is a relative or friend of the family.
Such acts are classified as fraud and involve the participants in the sales contract being held accountable.
Recently, cases are widespread whereFamily capital is used to repay mortgage loans through intermediaries. One should beware if they offer a suspiciously low interest rate and the minimum maturity of the MC.
In 2009, the option of cashing out capitalmoney still appeared. But before the certificate (maternity capital) was cashed, it was necessary to await the entry into force of the amendment, which was introduced into the law due to the crisis situation in the country. In accordance with the innovation, all certificate holders could count on a one-off payment from federal aid in the amount of 12,000 rubles in cash. But this is an exceptional case.
The principle of non-cash settlement combines two typesstate aid, which is intended for mothers - one of the types of such assistance is maternity capital. The generic certificate is considered the second type of federal support, it is also not subject to cashing and resale.
The "Family Capital" program operates in Russia with2007. Throughout its existence, the project systematically introduced amendments, adjustments and additions. Initially, it was assumed that the program will function until 31.12. 2016 Governmental authorities of the RF repeatedly announced their intention to extend it until 2025 due to the effectiveness of the operation. But at the moment the program expires on December 31, 2016, that is, the receipt of a certificate for maternity capital is possible with those families whose replenishment took place before 01/01/2017.
In 2015, a number of amendments and additions were made to the program for the use of family capital, according to which:
Only families with two or more children have the right to receive a security. Therefore, if there is one child in the family, state financial assistance is not required.
That the right to receive MC was realizeda foreigner must submit a passport of a foreign citizen and a residence permit, a birth certificate of the child or another document confirming the child's Russian citizenship to the Pension Fund.
No. If you do not comply with the basic requirements for issuing a certificate for the MC, then its receipt can not be considered. The FIU authorities will deny the application.
Registration and issuance of certificates MC is engaged in the Pension Fund. You should contact the nearest regional branch of the FIU.
The loss of a certificate for MK does not mean the termination of the right to receive state aid. It is necessary to apply to the department of the Pension Fund at the place of residence and get a duplicate of the document.
No, these concepts are different. The term of the parent capital is the term of the federal project "Maternity Capital", which currently corresponds to 2007-2016. The term of validity of the certificate on MK is unlimited: everyone can receive state assistance, regardless of how many days, months or years have passed since the birth of the baby. Predetermined only the time period when the second and subsequent child is to be born or the adoption procedure is implemented.
You can get a certificate for MK afterarrival at home, the main thing is that the child was born or adopted during the functioning of the "Mother's Capital" program. But you can register and receive it only on the territory of the Russian Federation in the FIU department at the place of residence or registration.
Statement in which directions are indicatedexpenditure of maternity capital, shall be submitted to the bodies of the territorial branch of the Pension Fund after the child is 3 years old (or from the adoption day will be a three-year term).
Yes, you can. The rules of using family capital imply that it is spent as one of the target areas (housing, study or pension) in full, and partly on each of them. Where the funds will be spent and in what proportion of the ratio depends solely on the holder of the certificate.
Money as payment is transferred to the seller by the Pension Fund within two months after submission of the corresponding application in which directions of embezzlement of capital assets are specified.
