When can I use maternity capital? What can you spend on maternity capital?

In 2007, the state launched a global program to support motherhood and childhood. It was this year that many families received the first maternity capital. Spouses who decide to have a second, third and next children can count on state support in the form of a certain amount of money. Many were interested in questions about when to use maternity capital, and what you can buy for it. Note that initially the amount was 250 thousand rubles, but every year it grows and is indexed in proportion to inflation.

Who can claim maternity capital

According to the law, the mother can receive:

• A woman with Russian citizenship who adopted or gave birth to a second and subsequent children later than the date specified in the law.
• A man with Russian citizenship who acts as the sole adoptive parent of the second child (or subsequent children), and the adoption took place later than the date specified in the law.
• A father or legal adopter in the event of the death of a woman (the mother of a child / children) or in the event that she is deprived of parental rights. In this case, citizenship does not matter.
• Minors (children) or a full-time student before reaching the age of 23, with the right of the father (adoptive parent) or mother to receive additional support is terminated.

How to apply for a certificate

To use the funds of the parent capital, it is necessary to apply to the FIU at the place of residence or at the place of actual residence and write a statement on the proposed form. The application must be accompanied by copies of the following documents:

• Passport.
• A birth certificate for each of the children (or a certificate of adoption).
• Certificate of marriage or divorce.
• SNILS applicant.
• SNILS for each child.
• In case of adoption of the child, a certificate of the court decision on adoption will be required.
• If one of the parents does not have Russian citizenship, a certificate confirming that of the children is needed (the document can be obtained through the passport and visa service).

Important! According to the law, only copies of the listed documents are attached to the application, the originals must remain with the applicant on hand.

In the event of the death of parents or loss of parental rights, the parent capital, the amount of which is indexed each year, may be received by an underage child or children of the same family in equal shares. Also, an adult child who is a student and is admitted to full-time education before reaching the age of 23 can use the means.

How long does the application take?

The application with all attached documents, which was received by the FIU department, is considered within a month from the date of its receipt. Within 5 days after the registration of documents, the applicant must receive a notification of the decision (rejection or positive response). Payments of the parent capital are possible only in case of a positive decision. A certificate is issued in the same branch of the FIU. If there is no possibility to take the document personally, the FIU can send it by mail. If a certificate is lost, a duplicate is issued, it can be obtained in the same FIU office.

In the event that the applicant is outside the Russian Federation, documents can be sent to the FIU by mail. In this case, only notarized copies are sent. The papers are sent by registered mail with the delivery notification. The date of receipt will be the date when the application was registered in the FIU department.

Terms of receipt of funds

It is not specified when it is possible to use the parent's capital. Therefore, if the child was born or adopted not earlier than the date specified in the law, and the parents or adoptive parents had the right to receive "maternity money", they can apply at any time.

When are you denied a certificate?

Loss of maternity capital payment can be made in the following cases:

1. Maternity capital has already been used.

2. Inaccurate information is provided.

3. Termination of the law.

What can money be used for?

The certificate for the matkapital is issued not specifically to one child, at the birth of which the right to state aid arose, but to the whole family and children in equal shares. Many, of course, are interested in what can be done for maternity capital To acquire.

At once we will notice, that the law forbids to cash out means of the certificate. They can be used to improve family living conditions. It can be:

1. Initial installment of a mortgage loan for the purchase of a residential area.

2. Repayment of a previously issued mortgage (or interest on it) for the purchase of an apartment.

3. Repayment of a mortgage loan for the individual construction of a house. In this case, it is also possible to compensate for costs associated with the purchase of building materials. It is allowed to build by own strength, without attracting contractors, which is several times cheaper.

4. Participate in the construction of a new multi-apartment building.

5. Send funds to pay a fee (share or introductory) as a member of the HBC.

The state permits the use of the funds of the mothers to pay for the education of children in institutions that have the right to provide educational services. It can be a kindergarten or a higher education institution. To pay for training, you must apply to the FIU with the appropriate application. It is worth remembering that there should be no operations with cash, all transfers are made only through the FIU. This is necessary to ensure that the funds of the matkapital are used for their intended purpose.

The program "Maternity Capital", in addition to all of the above, allows you to direct funds to increase the future pension (funded part) of the child's mother. To do this, you need to contact the FIU staff. In case of accumulation of interest, the applicant is entitled to revoke the maternity certificate, the amount of which is indicated below, at any time and use the funds provided by him in any of the above ways.

Thus, the funds provided for by the certificate can be spent on purchasing housing or improving living conditions, paying for the education of children or increasing the funded part of the applicant's pension. The government is considering expanding the use of funds. For example, to pay for the treatment of children, the purchase of a new machine (domestic production) and the formation of the mother. Some regions of our country additionally allocate funds for regional matkapitala as a measure of support for families. It can be used to buy an apartment / house, improve housing conditions, pay for the education of children and their treatment, and also purchase of a car or a land plot is allowed.

When can I use the means

The "Mother's Capital" program allows you to spend money only after the child reaches the age of three. But there are exceptions when you can use your mother's capital before. This is buying an apartment or building your own house. To do this, simply contact the FIU and write a statement on the disposal of money. If the family has not spent the funds of the matkapital until the child reaches the age of 18, then the right to use is transferred to an adult child whose birth was given to the family by a certificate for state aid. It is necessary to clarify that the second maternity capital has not yet been provided by the state, and it can be obtained once after birth in the family of the second or subsequent child (or by the fact of adoption).

Certificate amount

In Russia, the number of families that receive maternity capital increases every year. The amount initially amounted to 250 thousand rubles in 2007. Each year it is indexed taking into account the level of inflation, the amount is growing. So, in 2015 it was 453 026 rubles, and next year it is expected to 477 942 rubles.

The validity period and the possibility of its prolongation

The law stipulates the term of the program. The time interval when it is possible to take advantage of the parent capital is limited. It ends in late December 2016. But the government is considering issues related to the extension of the law. Perhaps it will be extended until the end of December 2025. But this does not mean that you need to use the funds before the end of 2016. If the family has received the certificate, its means can be spent at any convenient time. For example, if the second child in the family was born in 2010, his mother can apply to the Pension Fund in ten and fifteen years. Then the amount will already be indexed.

It should be noted that more than 4 million families have already been awarded a certificate for maternity capital. Basically, "maternity money" goes to buy new housing, improve living conditions or individual house building. Actual is also the option of using the certificate as an initial amount when you make a mortgage.