Maternity capital is only the most important information. When and for what can you use maternity capital?

Family capital is a huge support for the majority of Russian citizens. Families with two, three or more children are entitled to a payment in the amount of 453,026 rubles. Let's figure out what procedure for using maternity capital is established in Russian Federation.

The conditions and procedure for using funds allocated from the federal budget are carefully regulated by law.

In particular, it defines:

The impossibility of cashing out funds paid from the state budget to help families.
Possibility of full or partial withdrawal of capital - the remaining amount continues to be kept in an account with the Pension Fund.
Usage budget funds allowed only in strictly established areas.

Remember that any dubious “services” for cashing out family capital are provided only by scammers.

What to spend maternity capital on in 2019?

According to Pension Fund statistics, about 92% of citizens involved in the program spent the allocated budget funds on improving their living conditions. Another 4% spend money on education, caring about the future of their children.

Over the years of the program, aimed at supporting families with children, more than 8,500,000 mothers and fathers who applied received payments.

What can you spend it on? maternity capital in 2019:

receiving a one-time payment (as an anti-crisis measure until the end of 2016, this basis is temporarily not valid);
improving the living conditions of family members (purchase of real estate, construction or reconstruction of a house);
the child receives a quality education and pays for the services of private preschool educational institutions;
repayment of previously issued mortgage loan or making a down payment under a loan agreement;
formation of future pension payments for the mother (a relatively new and not yet widespread area).

We propose to consider the features of each of the above points.

One-time payment

It will not be possible to receive a lump sum payment of maternity capital in 2019. Early legislation provided for the possibility of registering it, but only to pay off the current expenses of a family with two or more children.

Using this method, it was necessary to draw up an application and send it for consideration to the Pension Fund branch. The payment amount is 20,000 rubles (in 2009 - 12,000 rubles, in 2016 -25,000 rubles). The expenditure of funds was not controlled by government agencies.

To submit an application, you did not have to wait three years from the date of birth (adoption) of the child. Funds could only be requested once. If the Pension Fund approved the application, then non-cash funds were withdrawn to the applicant’s bank account.

Mat capital for the purchase of housing

The funds paid to the family from the federal budget can be used to purchase new housing - an apartment or a private house. An important condition is imposed on the selected residential premises - it must be located within the borders of Russia, i.e. it will not be possible to purchase real estate in one of the other states.

In a standard purchase and sale transaction, not only the seller and the buyer, but also the Pension Fund will take part. He is obligated to transfer funds from the family capital to the seller within 2 months from the date of conclusion of the agreement between the parties.

Acquisition of a share

Another way to use maternity capital for up to 3 years is to purchase a share in an apartment or private house, as well as buy a room.

Nuances:

The acquisition of a share of residential real estate from relatives (for example, from the parents of a spouse) is permitted - the transaction will be carried out on a general basis.
If, as a result of the redemption of part of the housing, the Certificate holder becomes its sole owner, then the former owner must be discharged.
The Pension Fund of the Russian Federation strongly does not recommend purchasing shares of real estate from the second spouse (in practice, such transactions are carried out to cash out maternity capital).

As for the room, you can buy any living space. The main thing is that it is not recognized as official and is not located in the hostel. If the allocated funds are not enough to purchase a share, then apply for a loan for preferential terms in a bank under maternity capital.

Construction of a house

The construction of a house at the expense of maternal capital can be carried out independently or with the help of contractors. If a contractor is hired to carry out construction work, a contract is submitted to the Pension Fund. Non-cash funds will be transferred to the company's account.

If all construction work is carried out independently, then funds are received in stages:

1/2 of the amount is paid before the start of construction. You must submit a certificate of land ownership and a work permit to the Pension Fund.
The remaining funds will be paid six months from the date when construction work is confirmed.

Mortgage repayment

The use of maternity capital when purchasing an apartment is allowed to repay the issued mortgage loan - the principal debt and interest accrued on it. The main thing is that the mortgage is obtained from a bank and not from an MFO.

Immediately after issuing the Maternity Capital Certificate, you can visit the bank to draw up a loan agreement and make the first payment using family capital or use it to pay off debt. There is no need to wait until the child is 3 years old.

Tuition fees

Use mat. capital the family has the right to pay for the child’s education. The category of education does not matter - preschool, primary or secondary. The introduction of this direction ensures the availability of quality education.

Upon completion schooling The funds remaining in the account with the Pension Fund can be used to pay for the child’s stay in the hostel.

For retirement

The use of maternity capital is allowed to form future pension payments for the mother. However, Russians, as before, do not use this direction to spend budget funds (only 0.2% of participating citizens redirected payments to accumulate pensions).

The national program “Maternity Capital” was created with the goal of increasing the birth rate in the country and consisted of financial support for families who decided to have two or more children.

A decade has passed since V.V. Putin approved this bill, which almost immediately came into force. Today, residents of the Russian Federation take maternity capital for granted.

True, many still have questions about this government program. The most popular of them: what can you spend maternity capital on? In our article we will try to give detailed answers and tell the reader about what awaits him in the coming years.

What is the essence of the program

Matkapital is significant financial support for all families, especially for those raising not one child, but two or more. Many modern parents, despite the difficult economic situation in the country, dream of having at least two children. And here the State offers no small amount. Why not? But it's not that simple. Maternity capital is received as a certificate that cannot be cashed out, but can be used for certain purposes.

This program has been in effect since January 1, 2007. It was initially assumed that it would expire in December 2016, but the President of the Russian Federation decided to extend it. So far only for two years. An option is now being considered to extend it until 2025.

Maternity capital is issued not only for the second child, but also for the third, fourth and subsequent children born no earlier than 2007.

Over the 10 years of its existence, maternity capital has been indexed several times. During this time, the amount on the certificate almost doubled.

Today it is 453,026 rubles. It has remained this way since 2015, since its growth has been suspended since 2016, and so far statesmen they are in no hurry to renew it. This is recorded in Law No. 415-FZ “On the Federal Budget” dated December 19, 2016.

A certificate for maternity capital can only be obtained if the couple has a second child. It does not belong to the one born. The whole family can use it. Therefore, when deciding what to spend maternity capital on, you have the right to do what will be most beneficial for your unit of society.

Who can count on receiving a certificate

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Based on the name of the capital, it is clear that the mother of two or more children receives it. If for some reason she cannot do this, then the following persons have the right to draw up the document:

father, if mother is incompetent, deprived parental rights or died;
a child under the age of majority;
a teenager undergoing full-time training;
young people under 23 years of age due to their parents’ deprivation of support from the state.

Based on Law No. 256-FZ of December 29, 2006, you have the right to a certificate not only after the birth of your second child, but also after his adoption.

This program is national, therefore only citizens of the Russian Federation or persons with dual citizenship who moved to permanent place residence in another country.

How to get a certificate

To obtain maternity capital, you should contact the territorial representative office of the Pension Fund of the Russian Federation or any MFC. This can be done either personally or through a legal representative.

The procedure for obtaining a certificate is simple and does not take much time. If all the documents are in order, then within a month you will be legally You will be able to think about what you can buy with maternity capital.

In accordance with Order of the Ministry of Health and Social Development No. 1180n dated October 18, 2011, to obtain a certificate, you must submit the following package of documents:

statement;
passport of a citizen of the Russian Federation;
birth certificate of each child;
if the children are adopted, then a court decision on their adoption.

The requirement of Pension Fund employees to present other documents (extracts from the house register, etc.) is illegal.

If the father is going to apply for maternity capital, then in addition to the above papers, he must have official confirmation that the mother of the children cannot engage in this procedure.

This could be:

death certificate;
a court decision declaring her missing;
a court decision to deprive her of parental rights.

If the child himself is applying for maternity capital, then to the standard package, you will need to add one of the exact same documents, but for both parents.

Citizens of the Russian Federation who do not have permanent registration can indicate the address of their actual residence in the application.

The applicant will be notified one month after submitting documents by registered mail about the adopted government agency decision. If it is positive, then he can only visit the Pension Fund again and pick up the certificate.

Maternity capital: what can you use it for?

Initially, using a certificate you could:

buy a home;
pay for the child's education;
start forming a funded pension for the mother.

Later, the Government of the Russian Federation made it possible to repay part of the previously taken out mortgage loan using maternity capital.

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In addition, the national assistance program for families with two or more children was changed as follows:

2011 It became possible to transfer money to the bank account of its owner. This way the family could build their own house.
2015 Now, in order to make a down payment on a mortgage using maternity capital, you do not need to wait until your child turns 3 years old.
2016 the capital can be used for the technical rehabilitation of disabled children.

During economic crisis(2009-2010) once a year, a family could apply to receive cash in the amount of 12 thousand rubles from maternity capital funds. The same situation repeated itself in 2015, only the payment increased to 20 thousand rubles.

The possibility of the family purchasing a car using maternal capital was repeatedly discussed. Officials wanted to transfer the money to a parent's deposit account so that the family could receive interest every month. Payments for education to parents were also considered.

Unfortunately, the purchase of the car, as well as the subsequent two proposals, were not approved.

Today, with the help of capital you can:

Optimize living conditions, provided that the house or apartment is located in our country. So that Russian citizens living abroad can also use maternity capital.
Pay for the child's education.
Start forming your mother's funded pension.
Implement social adaptation disabled children.

To make it easier for you to decide on the use case state support, let's look at each of them in more detail.

How to use a certificate for improvement of living conditions

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If previously you had to wait until your second child’s third birthday to use maternity capital to purchase real estate, then starting in 2015, this was no longer necessary. The government passed this law to make people more willing to improve their living conditions. And it was right - this is the most popular way to implement a certificate.

What can you spend maternity capital on when choosing this direction of the program? Today Russian families The following options are available:

purchase of residential premises: apartment or house;
matkapital - as a down payment on a mortgage;
repayment of a previously taken out mortgage loan;
investing in shared construction of a residential building;
renovating a private residential building or increasing its area;
construction of a private house in which it is possible to live all year round;
receiving compensation for the costs of building a house if it was carried out at the expense of own funds(if payment documents are available).

When purchasing a house on a plot of land, you will need to draw up two sales contracts: for the land - separately, for the construction - separately. Received in cash Only housing costs can be reimbursed from the state.

If your family has decided to solve their housing problems using the national program, be prepared to present the following documents to the Pension Fund:

relevant statement;
certificate;
passport;
SNILS;
purchase and sale agreement for a house or apartment;
permission to build (repair) a residential building;
an obligation certified by a notary that all family members are the owners of the purchased (built) housing;
mortgage agreement;
a bank statement containing information about the principal mortgage debt and the interest accrued on it.

How can you use a child's education certificate?

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Initially, this direction of using maternal capital may seem absolutely unprofitable. Of course, education at universities is now almost all paid. And expensive. But is it worth saving funds for this until the child graduates from school? Moreover, their indexing has long been stopped..

With money received from the state you can pay for:

child's stay in kindergarten;
obtaining education at any university, regardless of whether the first child is studying or subsequent ones (only age matters - no older than 25 years);
accommodation in a student dormitory.

If a child is expelled from educational institution, You have the right to write an application to the Pension Fund, which will return the amount unspent on education back to your account. The funds remaining on it can be sold in any other way offered by the program.

If you want the state to help pay for all or part of your child’s education, contact the Pension Fund with the following package of documents:

statement;
certificate;
the applicant's passport;
SNILS;
an agreement on educating a child on a commercial basis;
a copy of the educational institution’s accreditation certificate;
a rental agreement for residential premises, if the goal is to pay for a hostel.

How to use a certificate for the funded part of your mother’s pension

As statistics show, of all the options, this is one of the most unpopular among residents of the Russian Federation. The number of capital certificate holders who choose it does not even reach 1%.

If a family does not experience housing problems and is confident that it can easily pay for their children’s education using their own funds, then why not take care of the mother’s future pension?

Moreover, if she changes her mind, the law will not prohibit the withdrawal of funds from the savings account of the Pension Fund. And it doesn’t matter whether it’s state-owned or not. Afterwards, she will be able to use them at her own discretion, if it does not contradict the terms of the program.

If the mother did not live to see retirement, the savings accumulated thanks to maternal capital will be available to the first-line heirs: husband and children.

Certificate for social adaptation of disabled children

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Maternity capital will come in handy if there is a disabled child in the family. After all, his treatment and subsequent rehabilitation cost large sums money. Unfortunately, it is not only difficult, but impossible to compensate for the costs in this case.

This is because maternity capital can be used:

to very specific technical devices for rehabilitation, and within the framework of a program drawn up individually for a disabled child;
for devices and manipulations not included in the list of free ones.

You cannot use funds received from the state under the national program as payment for treatment - in the Russian Federation it is free. But quotas, for example, for operations are not enough to provide even half of the population with them. And some types of surgical intervention are not performed at all in Russia.

In addition, the certificate can only be sold as compensation for the cost of rehabilitation equipment already purchased. Very often they are so expensive that families simply do not have the money for them.

Today it is difficult to say whether this will continue necessary program helping compatriots. And what can be purchased with maternity capital. But let’s hope that this bill will not be curtailed and will be improved in the near future.

The current state maternity capital program has been extended for four years - new law started working on January 1, 2018. In December, the Russian government decided that it was not going to index the MSK until the end of 2019, its amount remains the same - 453,026 rubles. If you have already received a certificate, but still have not decided where to invest your maternity capital, hurry up. The sooner you write an application to pay for the destinations you have chosen, the less you will lose due to the inevitable rise in prices. Moreover, since the new year there have been more ways to manage maternity capital and there is even one option with cashing out.

How best to invest maternity capital

Important! Matcapital is not a wad of money, but a state certificate giving the right to spend it. You write an application to the Pension Fund - it directs finances to the goals you have chosen.

Maternal family capital (MCC) can be invested - in whole or in parts - only in the following options:

improve living conditions;
give children an education;
put on payment monthly allowance— an option in which MSC can be cashed out; it is intended only for low-income families;
buy products for the adaptation and socialization of children with disabilities;
transfer to the funded part of the future pension for the mother.

1. How to invest maternity capital in improving the quality of housing

Important to remember! You can use the money immediately if we're talking about about a mortgage - to pay off the principal debt or pay the down payment. In other situations related to improving the quality of housing, you will have to wait until youngest child will not reach the age of 3 years.

If you are going to invest MSC to acquire an apartment or house, you must submit a purchase and sale agreement and an extract from the Unified State Register to the Pension Fund of Russia. Money can also be invested in the construction or reconstruction of the so-called individual object housing construction. Individual housing construction is a separate building no higher than 3 floors, intended for one family. You will need papers giving the right to use the land and a building permit.

To build/renovate a home, you hire builders or do everything yourself. In the second option, the money will be issued in 2 stages - half at once, and the rest in six months, when you prove that the work has been done. If the housing was built earlier, maternity capital will allow you to compensate for the costs, but you must provide an agreement confirming the work performed.