Documents to receive maternity capital. The list of documents for the parent capital

On the parent capital the Russians heard relatively recently-in 2007. Was quite a lot of disputes and different rumors about this idea. Social programs have appeared both supporters and opponents. Nevertheless, the program is operating successfully. And today let's talk about what you will need documents to receive maternity capital to date.

Who gets right to the certificate?

It's given to citizens in the family which was born a second (or next) baby. The right to have parents who have adopted a third or more children. Of course, if they were not previously entitled to receive a certificate. Since 2007, his owners were more than 5 million families.

On the Basis of the law, the child who gives the right to receive the certificate should appear in this world until 31 December (inclusive) in 2016. The use of the certificate has no time limit. Money family (parent) capital is allowed to be used to improve living conditions, and also to pay for the education of children or pension for my mom. They can be used in whole or in part.

The Size of the parent capital in 2007 was full of 250 thousand rubles, in 2014 equals 408 960,5 RUB Social program pursued the main goal: increasing the level of birth rate in Russia, that has been achieved.

Maternity capital: what are the documents required

The Program has been in place for long enough. And yet people often ask: ‘How it is allowed to use the maternity capital, what documents are needed?” Their collection should not be difficult, because you want the paper to get in your home. Required certificates for maternity capital in 2014 since 2007 has not changed. They need to give the special Commission of the Pension Fund at the place of permanent residence or residence.

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In the list, which lists the documents to receive maternity capital are:

• The parent's passport and photocopy-page document, which States personal data, residence, children;
• Evidence of the birth of children, and their photocopies;
• Marriage certificate of the applicant, a photocopy of a document;
• Birth certificate of the applicant, a photocopy of the document.
• The pension insurance certificate (SNILS) of the applicant and children.

When re-marriage in the package of documents for registration of the certificate is additionally needed to add:

• Evidence that the previous marriage is annulled and a photocopy of it;
• A certificate from the registry office corresponding to the form f-28 (is a certificate on the conclusion of a previous marriage).

These documents to receive maternity capital offers the mother of the children. There are times when it gets father. For example, if the mother of the baby died or was deprived by court of their parental rights.

In cases when the mother died, the documents to receive maternity capital are supplemented by the following information:

• Death certificate;
• The decision of the court that issued the decree about the announcement of the death of his mother.

In those cases, when the mother by the court devoid of rights in respect of the child, are applied:

• Documents confirming illegal acts against the child;
• The court's decision.

In some cases, a child may personally receive the payment. To be added to the above list of paper, containing data officially confirming the death of his parents.

Where to invest?

Funds received under the state program, will continue to be allowed to use in three directions: to improve the living conditions of any children's education and pensions for mothers.

According to statistics, the citizens sent the majority to improve living conditions, and only a small percentage of children to education, or to the funded part of pension of mother.

Purchase housing

Today, buy a house for a young family is not so simple, given the continual rise in property prices. Great assistance in this matter will have the maternity capital, because one of the directions of its use is the improvement in living conditions.

Under this concept is understood as the reconstruction of housing, buying, building. Possible with the certificate and the repayment of the mortgage. It should be remembered that in order to be able to direct money on improvement of living conditions, the child at this point must be at least 3 years. To use the funds immediately if the target – the repayment of the loan. And redeems only the debt or interest, to pay fines or delay not.

When buying for maternity capital housing should take into account that it must necessarily be located on the territory of our country. The owner can be either a mother or a spouse. Making out a mortgage, remember: the contract should be spelled out that in addition to mother and wife there are no other co-borrowers, and that the registration of ownership without relatives.

Education

Means can be directed on education of a child,including permitted the use of funds for payment of preschool education. The parent capital are allowed to pay for preschool state/non-state type having a license and accreditation.

You can Also split the funds to pay for the tuition of all children. You can share the funds and use only part in any of the three possible directions.

If the parents decided to change school, College or preschool for their child, they should be required to notify the Pension Fund, that is, to write the corresponding application. Since then, the money aimed at education of the child will be transferred to another educational institution.

Direction funds under the program for retirement of the mother

In Addition to improving the standard of accommodation, payment of education of children is another area of social programs. It redirected the parent capital "retirement" option. If you have selected the option of transferring funds to provide a pension to the mother, then later you can always redirect the funds (or part thereof) for education or home improvements. Importantly, this operation was made before granting of the pension. Only required to come to the Pension Fund and to write the corresponding application.

Law of the Russian Federation are not allowed the results of family capital “alive” money. It is a criminal offense and constitutes fraud. Also, the law prohibits the purchase of the parent capital. Although the Internet and there were a lot of similar ads, such actions are considered unlawful.

Cash funds capital can be obtained only when reaching retirement age. To transfer funds to the funded part of pensions at the expense of the certificate requires only a statement of other additional documents is not required.

In different regions of the Russian Federation it is planned to pay maternity capital at the regional level.

Possible failure in obtaining a certificate?

Possible if:

• Missing or terminated the right to additional measures of state support;
• In case of specifying incorrect or false information in the application;
• Parents are deprived of rights to education of the first child;
• Born child is not a citizen of the Russian Federation;
• Family had previously received maternity capital.

If the parent has Undergone a capital change in 2014?

In 2014, it became known that the Ministry of labour is working on a bill in respect of the parent capital. The purpose of this bill is to develop the conditions of the springs, which means the certificate can be used as an option for the repayment of loans (acquisition of property). Also this bill takes into account measures to prevent fraud. While the bill is under consideration.

In the case of adoption it will include provisions, which will be presented with a list of organizations with whom you cannot enter into a credit relationship. Family capital may be used only to credit cooperatives, or large organizations. Their work will strictly follow the state structure.

In case the institution will not comply with the statutory requirements, lending operations, where you plan to use funds of the maternity capital, will be banned. Citizens wishing to pay the parent capital the loan for construction or purchase, will have to apply only in specified law organization.

Cooperation with Sberbank

To generate profits to improve housing, building a house at the expense of public funds (maternity capital), savings Bank offers the program of crediting of citizens “mortgage plus maternity capital". Under the terms of the Bank, the citizens will be able to extinguish the loan with MK. Also available to the public and other programs:

• Loan for purchase of ready housing;
• Credit for housing under construction.

As soon As the certificate of the parent capital will be on hand, citizens will have the opportunity to take advantage of these programs. The main advantage of the mortgage program is to get a loan you can use the parent capital, which ensures the payment of the original fee.

Documents for the loan (mortgage)

To apply for a mortgage, need a standard set of documents for conclusion of a contract, certificate, certificate from the Pension Fund about the Fund balance.

The mortgage will not take much time. The term of consideration of applications of citizens is five days. It can draw on any of the spouses. Keep in mind that the parent capital cannot be cashed (punishable by Law of the Russian Federation) or transfer for use to another person, you also cannot receive a tax deduction.

What year is valid maternity capital?

Many citizens concerned about what will happen next with the parent capital? Because we all know that the force of a law already in 2007, ends in 2016. There is a perception that the parent capital should take advantage of before that date, otherwise it will cease to operate. This information is false. The certificate has no validity period i.e. valid even after the conditional date of termination of the program.Citizens will be able to use it at any time convenient for them.

But do not forget that to give birth (adopt) the child should be before 31 December 2016. Many deputies of the state Duma Express their opinion in favor of extending the law until 2025.