What is better to spend maternity capital. When can you use maternity capital

How to use mat capital for home purchases and other needs? What is the term and procedure for the use of maternity capital funds? Is it possible to use the family capital without waiting 3 years?

Hello, dear readers of the HeterBober online magazine. Welcome to the site's permanent expert Eduard Stembolsky.

We continue a series of publications about maternity capital... The topic of this article is the competent, effective and profitable use of funds secured by a state certificate for family capital.

Let's start, friends!

1. General procedure for the use of maternity capital - terms, conditions, rules and documents

The state incentive program for families with two or more children has been operating since 2007. Initially, the amount of maternity capital (MC) was 250 thousand rubles, now its size (thanks to annual indexing) - 453 thousand.

The main goal of the program is to increase the birth rate in the country and stimulate natural population growth. You can get a certificate for family capital immediately after the birth (adoption) of a second (or subsequent) child, however, you can use the funds (with the exception of certain situations) only after the baby is three years old.

The amount is not handed over to parents or children after their majority: it is not cash, but a kind of financial asset, which can only be used on specific needs... The list of such needs is limited by law.

A few important facts regarding the use of MK:

one family can receive the allowance only once (with the exception of regional programs, according to which it is possible to receive capital again after the birth of the fourth or fifth child);
you can apply to the Pension Fund of Russia (PFR) at any time after the birth of the 2nd (or subsequent) child;
a change in the amount of capital due to indexation is not a reason to replace an already received certificate;
the allowance is issued to the management of the parents, not the child.

The certificates are issued by the Pension Fund. This structure is also involved in all decisions regarding the intended use of funds. More precisely, the FIU gives its consent or refusal to offers from families to use public funds.

Families who have a second baby can contact immediately after this event in regional office Foundation at the place of stay or residence.

There are 3 options for applying:

Personally.
Through a trusted person.
By mail (including email).

The right to own the certificate belongs to women who have given birth or adopted children after January 1, 2007, men who are adoptive parents or single parents.

To obtain a certificate, you need the following documents:

a statement drawn up in the form;
applicant's passport;
birth certificates of all children in the family;
court order on adoption.

The application is reviewed by the Foundation within a month (during which time the staff undergoes a standard legal review), after which a decision is made on the granting of entitlement to benefits. If the applicant cannot come for the document in person, it is sent to him by mail.

Pay attention to some of the nuances: capital is issued only for children born (adopted) after 01/01/2007. However, in the column "children" you must indicate all children, including those born before this date.

Example

The mother gave birth to 3 children - in 2004, 2007 and 2015. Having applied for a certificate in 2017, she needs to indicate that the allowance should be issued in connection with the birth of a second child. However, all children, including the youngest, should be listed on the application.

In this case, the family will be able to dispose of the funds immediately after the certificate is issued, since 3 years have passed since the birth of the second baby.

The certificate itself is security to bearer: it is not valid without proof of identity. The form has several degrees of protection, but the paper itself has no value without confirming the information in the unified state register.

This is me to the fact that forging a document is meaningless - only those who have the legal right to do so can gain access to the funds secured by the certificate. Nevertheless, scams with mother capital do exist: I will tell you about them in a separate section of our article.

Important news on the topic:

President Putin has proposed extending the maternity program until 2022. Additionally, he suggested introducing a number of changes to its implementation.

Now families who need it will be able to receive materiel funds already in the first 1.5 years after the birth of a child - in the form monthly payments in the amount of about 10,000 rubles.

In addition, families can use maternity capital to care for their children during the preschool period, paying for the services of private kindergartens and creches.

A news clip on this topic:

2. Is it possible to use mate capital up to 3 years?

The current legislation states that it is possible to obtain the right to use the funds secured by the certificate only after the baby reaches the age of three.

At first, there were no exceptions to this rule, but practice has shown that it is inappropriate for many families to wait three years, since money is often needed right now, and not in the near future.

This is especially true for families who do not have their own home or live in a cramped apartment with two or more children. State support is especially important in the first years of the life of the second or next child, and not after three years.

For this reason, the state went to meet young families and allowed in some situations to use the mother capital for up to 3 years.

Early use of money is possible in the following cases:

if you need to pay off an existing loan for housing;
if you need to make the first installment on the mortgage;
if you need to pay off a loan received for the construction of housing or its reconstruction.

You can repay with the mother's money both the principal amount of the loan and interest. But it is prohibited to pay penalties and fines for late payments with state assets.

In all cases, the decision to transfer finances to bank accounts is made by the Pension Fund. Sometimes employees of this institution refuse to use capital ahead of schedule - for example, if they suspect certificate holders of misappropriation of funds.

3. How to use maternity capital in 2018 - TOP-5 popular ways

When deciding on the use of family money, parents should carefully consider all the pros and cons, since they will not be able to receive state subsidies a second time.

Families who have a difficult housing situation - nowhere to live, cramped conditions, inappropriate housing conditions - do not have to think too much. Money needs to be spent on buying real estate or building (renovating) a house.

If there are no problems with living space, you should think about the education of children: investing in child development is the most profitable and promising type of investment.

Let us consider in more detail all types of handling family capital.

Method 1. Buying an apartment (house)

If the family already has their own savings, but they are not enough to buy an apartment, you can add the required amount from the funds of the capital.

According to statistics, the purchase of real estate is the most popular and topical option for using public funds. Matkapital is used both for a one-time purchase of an apartment and for the purchase of housing with a loan.

Not all housing can be bought with government assets.

Requirements for real estate objects are strictly regulated:

apartments and houses purchased with materkapital funds must be located in Russia;
housing should not be dilapidated and emergency;
real estate should have the status of a full-fledged residential facility.

Money is transferred to the seller's account only after a positive response from the FIU about spending the funds and issuing an act of purchase and sale in Rosreestr ( Federal Service state registration).

To protect the interests of children, the FIU employees are obliged to personally check the acquired housing for compliance with the requirements established by law. If it seems to them that the house or apartment is unsuitable for the children, they may refuse to finance the transaction.

Pay attention to a few important facts:

When buying a home, it is issued for all family members(usually it is dad, mom, 2 children).
It is not necessary to use the entire amount of capital- part of the funds can be left for other purposes.
The decision to transfer funds is made by the Fund within 2 months.- be sure to calculate the timing of buying a home in advance to avoid conflicts and misunderstandings with the seller.
Purchase for maternal capital land forbidden- you will have to buy the land at your own expense.

In fact, housing is taken either in installments (if the seller agrees to wait for the transfer of funds), or the buyer draws up a loan, transfers the money to the former owner of the apartment, and pays the debt to the bank from the mother capital.

All the details about the purchase of private housing for state benefits - in the article "".

Method 2. Improving housing conditions - reconstruction and construction

Another way to improve living conditions is to build a house yourself or with the help of contractors. Parent assets can also be used for these purposes.

Previously, it was possible to build houses with family money only with the involvement of professional construction organizations. However, practice has shown that it is more profitable for many families to build housing on their own, calculating the terms of work and purchasing building materials on their own.

Money for the construction can be requested from the FIU in advance or reimbursed backdating(if you want to build a house before the baby reaches the age of three). In the latter case, it is important to keep all receipts and documentary evidence of your spending.

Funds for the construction of a house are issued in 2 stages. First, 50% of the requested funds are transferred, and after six months the second half falls to the account. An important condition- in 6 months you have to lay the foundation, erect the walls and roof of the future house.

At the moment, the amount of state subsidies that are given to families at the birth of a second or subsequent child is 453 thousand rubles. This applies to those children who were born between 2007 and 2018 inclusive.

However, before using the funds, you should think about what you can spend maternal capital and what is approved by law? Where government support received can best be channeled and when. At the legislative level, this implies the issuance of a certificate and the directed use of maternity capital even after the end of the federal program.

According to the latest amendments to the law on maternity capital and its amendments over the past years, today there are a variety of options for using maternity capital. The only condition here is that funds should be directed solely to improving the well-being of the family and improving the life of the child.

In addition, since 2016, it has become possible to even cash out a small portion of the certificate's funds as a lump sum. Unfortunately, such a program was available earlier and implied receiving 20 thousand rubles one-time.

Features of a one-time payment

This method of how to use the parent capital when cashing out is the only legal one and can be used to receive money from the state to cover the current family expenses... However, for this you need to write an application to the Pension Fund for the issuance of such assistance. Earlier, in 2010, this amount was 12 thousand rubles, by the end of 2016 it was already 25 thousand.

This method has two features:

Received cash from the maternity capital can be spent on any needs of the family without state control, unlike the rest.
The size of the payment may differ and be reduced in relation to the balance of funds on the owner's current account (for example, if the amount there is below 20 thousand rubles).

This action has become possible since May 2015 after the introduction of the relevant Federal law, according to which the relying lump sum payment for the disposal of the parent capital is a one-time payment. However, in order to get it, you must follow the following rules:

The right to receive it is possible only for those families in which the second, third child was adopted or born before December 31, 2015.
Apply with the appropriate application to the department The Pension Fund or MFC at the place of registration.
You do not have to wait until your child reaches the age of three to receive a payment.
You can use mate capital for cashing out in this way only once.
Money is transferred by bank transfer to the owner of the certificate to a bank account, after which it can be spent.

Matkapital for home purchase

Many Russian families after the birth of a child think about the housing issue. That is why the greatest popularity of the use of matkapital has gained an improvement housing conditions with his help.

This could include buying an apartment, purchasing your own home, or building it. Moreover, this is done not only with their own funds, but even in cooperation with credit institutions.

If you ask an unambiguous question - is it possible to spend maternity capital to buy an apartment, the answer will be yes, you can. This is the most correct waste of this certificate from the point of view of legislation, as well as a good opportunity to invest in housing. Any contract can be concluded in this case, as long as it does not contradict the legislation. The purchase takes place in the following order:

there is a search for a seller who owns a real estate object, the price is agreed with him;
there is a preliminary conclusion of the purchase and sale agreement, taking into account the deferred payment;
an application is submitted to the FIU to transfer funds to the seller's account;
in the event that the value of the property is more than the amount established by the certificate, the buyer needs to reimburse the difference in the amount from personal funds;
Within two months from the submission of the application, the Pensioner transfers the money from the certificate to the seller's personal account.

This is how you buy an apartment, but to buy a house, you should use the maternity capital in a different way. If you wish to purchase a house, the certificate holder must take into account following conditions required for its purchase:

real estate must be located on the territory of the Russian Federation;
it must also be formalized in full ownership all family members after the acquisition in equal shares, which means that each child receives the same share in possession as the parents;
payment from the funds of the certificate is possible exclusively by bank transfer, since any attempts to cash out these funds are illegal.

Acquisition of a share in a house or apartment

As well as buying a house, an apartment, the acquisition of shares in a residential area is also possible and approved by law. If, along with the share, the ownership right is bought out in the future, then the FIU may be much more willing to approve such an option. This option has the following features:

acquiring a share of living space from relatives and parents is no different from concluding a similar deal with strangers;
if at the end of the transaction the entire apartment passes into the possession of the buyer, then the former owner must be discharged;
the purchase and sale of shares between spouses is prohibited, because the disposal of the maternity capital funds is carried out by them jointly.

This means that the question of using maternity capital funds to buy a room can be answered positively. It is impossible only to buy a part of the room, as well as an attempt to purchase square meters studio apartment... Acquisition of a room, regardless of its size, is fully approved by law. There is only one condition here - the room must be isolated from the place. common use, and the accounts of the owners of this premises should be divided.

Home construction

According to the current legislation, it is noted that maternity capital funds can be used to build your own home. But he must meet certain requirements:

to be a full-fledged place for children to live with all the amenities, communications;
construction should be carried out on a purchased or leased land plot;
have the status of an IZHS object.

It should be taken into account that the disposal of maternal family capital for the purchase of land is impossible. Therefore, it must be performed on own funds parents. Along with this, it is possible to attract contractors for the construction of a building, or to erect it with your own hands, purchasing building materials. Depending on the method, the transfer of state funds differs. certificate:

If the work is carried out by a construction company, a copy of the contract is provided to the FIU along with an application for the allocation of funds. The submitted papers must be reviewed within one to two months, after which the money will be transferred to the organization.
If all the work takes place on its own, then the transfer takes place in two stages:

no more than half of the funds for laying the foundation are transferred to the account of the owner of the certificate;
the rest of the funds are transferred six months later, by which time the foundation, walls and roof of the building should be ready.

In the event that the construction of an object is carried out before the child reaches the age of three, it is necessary to preserve all payment documents confirming the purchase of building materials. Compensation can be obtained only upon their presentation to the FIU.

The maternity capital can be used to participate in shared, as well as cooperative construction for the participants in the houses. cooperatives.

Mortgage repayment

According to the state support program, mortgage lending and maternity capital are linked by the law on family support. According to this law, you need to know how to use maternity capital when buying an apartment or house on a mortgage for:

payment of the first installment on mortgage lending, as well as any other type of loan taken to buy a home;
repayment of current debt under an existing loan agreement for the same purposes;
to cover interest on a loan.

At the moment, it is possible to obtain loans and credits from banks and other official organizations. Can maternity capital be used to take out a loan from a microfinance organization? No. However, this does not apply to those options when these agreements were concluded earlier. Banking organizations, as a rule, have special offers for those of their clients who plan to settle with the help of government subsidies.

The most important plus of payment mortgage loan, perhaps, is an unlimited period of use of maternity capital, when the money of the certificate in all the above cases, even without the need for the child to reach the age of three years.

Payment for the education of children

Another way to use financial aid from the state - payment for the education of any child in a paid school, in a gymnasium, a technical school or in a higher educational institution, even for master's and postgraduate programs.

Thanks to this, the born child receives additional support from the state and will be able to use the allocated money in the future for this purpose. These funds can be used to pay for the education of any child, it does not matter whether he is a family member or an adopted child. Since the certificate is the property of not only the owner, but also his children.

In accordance with the 2007 government decree, a number of special conditions must be met for this:

the institution must be accredited by the state, only then payment in this direction is possible;
it must be located on the territory of the Russian Federation;
upon admission, the child must be no older than 25 years old. This means that it is possible to apply for paid program to the university on a deferral basis, and not immediately after graduation.

It is possible to enter for training in a municipal, as well as a private institution. The only caveat here is that the educational organization will need to wait one or two months until the Pension Fund transfers funds at the request of the parents. If there are no problems with this, you can safely contact there.

Kindergarten payment

After the adoption by the Government of the Russian Federation of Resolutions No. 926 and No. 931, it became possible to dispose of the maternity capital to pay for the kindergarten. In this case, the money is transferred to the account state institution, or a private kindergarten. In this case, four important conditions must be met:

the kindergarten must have a license to carry out its activities in this area;
its location within the Russian Federation is obligatory;
an appropriate agreement must be concluded between the organization and the parents;
there is a payment for the supervision and care of the child.

The last point is of particular importance, the rules for the disposal of maternity capital do not make it possible to pay for them: nutrition, upbringing, socialization of the child and carrying out hygienic measures, parents should go to this. This also does not include services for education, attendance of paid circles, sections for a child.

As with most methods, spending means the possibility of spending maternity capital after the child is 3 years old. Thus, it is impossible to pay for the nursery for the child who received this certificate, but it is possible to pay for another child.

Matkapital retirement mom

Among all the options for what the maternity capital can be spent on, there is an opportunity to use it to form the funded part of the mother's pension in the Pension Fund of the Russian Federation, as well as in a non-state pension fund. This investment is quite profitable for the mother of the child, since three years of caring for a newborn can not always count towards work experience.

In the list of possible investments in accordance with pension legislation, these funds can be directed in the form of:

early retirement benefit for a period of at least ten years;
taking a lump sum;
increase in perpetual payments throughout the mother's life.

A woman who has written a statement to the FIU has the right to change her mind and redirect funds to other purposes before retirement. The law provides that the mother of the child can do this directly upon retirement. Therefore, you may not know in advance when you can use maternity capital for such purposes.

Conclusion

Perhaps the most important innovation of the current year that has appeared in the maternity capital is the right to spend it on the purchase of goods and services for social adaptation, as well as the integration of disabled children.

In addition, the rest of the list of targeted use of public funds remained standard: the purchase, construction and reconstruction of residential premises, the upbringing or education of children, a contribution to the funded part of the pension. You should always weigh the pros and cons before making a final decision.

You may be interested in other articles on this topic:

Is it possible to get maternity capital for twins during the first birth How to use maternity capital to buy a home for up to 3 years

Maternity capital in 2019 is provided in accordance with the new Federal Law No. 418. The law specifies the amount state benefits, equal to 453 thousand rubles. The funds are allocated to families with two children and parents of large families who had children in the period 01.01.2007-31.12.2021. You can get money for a maternity certificate for the purposes established by law. The legislator regularly expands the scope of the legal application of the allocated funds and simplifies the scheme for obtaining material support.

Changes in 2019

One of the positive innovations is the receipt of monthly cash before the child is 1.5 years old. It will become easier for parents in material terms at the initial stage of raising a child. The decision was made at the numerous requests of interested citizens, it is valid for the date of birth of the baby after 01.01.2019.

Major amendments to current regulations:

the upper bar by date of birth has been raised until the end of 2021;
the right to receive cash on a monthly basis is possible at 1.5 minimum wages per family. The money is provided for the maintenance of children under 1.5 years old;
the order of using the certificate.

The restrictions on some areas of application of parenting funds have been removed. The rights of parents have been expanded and the procedure for paying maternity capital has been simplified.

Starting this year, the following features have appeared:

preschool education from birth. For example, you can pay for babysitting services, confirmed by documents;
restrictions on the choice and payment of school education have been lifted. If a student visits a non-state institution, this does not serve as a reason for refusing to withdraw funds.

A one-time benefit in the amount of 25 thousand rubles from the money of the maternity certificate has been canceled since 2019.

The certificate is issued in the amount of 453,026 rubles, the size is the same for all recipients. The supplement for women who gave birth to children under 35 was canceled and ceased to be valid. The money that can be cashed from a certificate for a child under 1.5 years old is different in each case. Payments depend on the average monthly income of a family living in a particular region. On the this year the data for the 2nd quarter are taken into account. 2017 On average, the amount of the benefit is about 10 thousand rubles for most federal subjects.

Payments are provided to citizens who applied to the FIU and confirmed their rights to monthly deductions. You will need to provide income certificates for Last year, including financial receipts of all family members. The list of funds taken into account when assigning state support has been approved by the government. If desired, the list can be found at the PFR branch at the place of residence. Majority compensation payments not counted in total amount family wealth.

Maternity capital: requirements for the applicant

You can apply to the Pension Fund for the certificate owed at a convenient time before the children come of age. Parents who meet the following requirements can receive government support:

the child was born in the period 2007-2021;
the mother and child have Russian citizenship;
the family is registered on the territory of the Russian Federation.

For monthly allowance additional requirements will be required:

the second or subsequent child is under 1.5 years of age;
the income statement confirms the coefficient of 1.5 minimum wages in the given territory. The calculation is based on the figures for the previous year.

The listed requirements must be supported by documents, relevant information is accepted for verification. In doubtful situations, the registration of maternity capital is postponed until clarification controversial points... For example, the applicant's passport may expire; after the restoration of its legal significance, the document is accepted for consideration.

After the birth of the child and the receipt of administrative documents, the mother can contact the MFC or the FIU. In both cases, a package of documents is required:

applicant's passport;
testimonies of all children born and brought up;
SNILS for the whole family;
Marriage certificate.

If we are talking about adoptive parents, then documents on adoption (adoption) are attached. The father can claim his rights in established by law cases. Maternity capital is issued to the father if the mother is not alive, she is deprived of her rights or is an incapacitated citizen. Applicants can apply in person, by mail or by sending data via the Internet via government services... After checking for the certificate, you will need to appear in person at the PFR branch at the place of registration of the recipient.

Employees of the pension service are given three months to rigorously check the submitted package of documents. Obtaining a certificate is allowed to be obtained by a legal representative who has confirmed authority. If during the verification questionable information is revealed, then the applicant will be asked to enlighten this moment. The received certificate is legal document strict accountability... In case of damage or loss of the document, at the request of the owner, a duplicate is issued.

At the request of the mother, the opportunity to receive benefits from the amount of maternity capital is provided. You will need to provide a certificate of income for the previous year from the employer of the father and mother. Employees will make a calculation, based on the results, they will respond to the possibility of receiving funds.

The special conditions are as follows:

the child's age up to 6 months at the time of contact will allow you to receive accruals starting from the moment of birth;
after six months, the money is transferred from the date of application.

This approach is due to the fact that the mother is extremely busy in the first months after giving birth. Payments are not automatically assigned, the owner of the certificate must prove and declare his right. If it is impossible (income is more than 1.5 minimum wages) or there is no desire to receive financial support immediately after childbirth, the amount secured by the certificate will remain unchanged.

What to spend maternity capital on

The rules of use have remained the same, the scope of children's education expenses has expanded and medical services... The debate over the purchase of a family car has not received a positive decision.

The directions for the use of funds have been determined:

purchase of living space;
study and educational goals;
rehabilitation measures for the disabled;
pension for the mother.

Participants of the program are given the opportunity to independently choose the optimal goals. Many families spend their children's capital to buy an apartment or overhaul the existing space. The program provides options for the acquisition of capital real estate, a land plot cannot be purchased with the allocated money. Maternity capital can be spent on repayment mortgage interest, the first installment on a mortgage on a new building.

There is an order: employees check the submitted object, control the transaction. After the conclusion of the contract and registration of the transaction in Rosreestr, the money is transferred to the seller. The phrase "buy / sell for maternity capital" has become commonplace, the scheme has been worked out and transparent for execution. Acquisition mortgage object in a new building, possibly taking into account maternity funds. Most banks meet halfway to families with children and conclude deals on the acquisition of a capital object.

State funds can be used to educate all children in the family. You can pay off the tuition fees from kindergarten to institute at the request of the owner of the certificate. Money is transferred to an educational institution by non-cash payments upon application to the FIU. Restriction: the organization must be located in the country and have the appropriate licenses. An agreement is concluded for the provision of pedagogical services, after approval by the controlling department of the Pension Fund of the Russian Federation, transfers begin.

The funded pension for the mother will be increased by the amount allocated state aid... When a woman retires, she can count on an increase in her pension savings. Having a child with a disability can spend money on treatment and rehabilitation. Maternity funds are spent on any child of the family; supporting payment documents are provided to the fund.

Receipts and checks allow you to cash out this amount from software. The rules apply to an adopted child with a disability if there are two or more children in the family. Several minors with disabilities will be able to receive individual financial assistance if they are medically indicated.

Using illegal methods of cashing will lead to criminal prosecution. The legal scheme is the following: take Bank loan for the purchase of living space and close the obligations with the money of the certificate. If the size of the loan is equal to or less than public money, then a transparent and legal scheme will solve the family's housing problems.

Options with the purchase of a property at a fictitious price are calculated by employees government body... The woman is deprived of her certificate and held accountable. Employees have the right to monitor a suspicious transaction, go to the place of purchase. It is recommended to reconstruct the dwelling, purchase country house family vacation or take the necessary action. You shouldn't go against the law, money has a purpose. You cannot legally receive cash, you should remember the requirement not to violate the order of the federal program.

How to get maternity capital in 2019?

In the Russian Federation, the program for the issuance of maternity capital originated more than 10 years ago. During the period of the program, the growth Russian population... Moreover, the funds received can be used in some areas. More detailed review directions for the matkap will be carried out in our material.

What can you spend maternity capital on?

According to Law No. 256 of December 29, 2006, maternity capital (hereinafter MC) can be spent in the following areas:

Improving living conditions- means the purchase of residential real estate, as well as the reconstruction of existing real estate.
Children education- a number of conditions must be met, namely:
- the child's age is 3-25 years;
- a university, college or other educational institution is located on the territory of the Russian Federation;
- corresponding educational organization It has complete list documents for the implementation of such activities.

At the same time, MK can be spent on institutions such as:

kindergarten, nursery;
secondary and higher educational institutions;
music and art schools;
sport sections.

Repayment of the mortgage and target loan - most often, the amount of MK is not enough to purchase a full-fledged housing, so most married couples prefer to take out a mortgage. Wherein there is one nuance to consider- it is impossible to pay off part of the mortgage at the expense of MK with a loan from microfinance organizations.
Transfer of MK to the funded part of future pension payments- in 2017 this direction is not in demand, because accumulation part is in a frozen state indefinitely.

Previously, the authorities sought to expand the list of MK use. For example, options were considered such as:

purchase of a car;
purchase of medicines for children with serious illnesses;
development Agriculture;
purchase of household items (furniture, appliances);
a trip to a sanatorium;
purchase of a wheelchair for a child.

But in 2017, none of the listed items were added to the maternity capital program.

MK funds do not have to be spent only on one of the listed areas; several can be combined.

When can capital funds be used?

In 2017, MK is allowed to use, when the child turns 3 years old.

But in some situations, MK can be spent on more early date, For example:

Repayment credit debt or mortgages, which was received for the purchase of real estate, as well as the initial (mortgage) payment. It is important to consider one condition - the loan must be intended for the acquisition real estate.
Building own residential property.
Purchase of goods and services that are necessary for the social adaptation of a disabled child.

How to get MK up to 3 years when buying real estate? Let's figure it out right now:

The woman signs an agreement with the chosen bank for the purchase (or construction) of real estate.

The client buys the selected item.

After registering the transaction, the woman applies to the FIU with an application to transfer the MC to the bank.

If a positive decision is made, the funds are transferred to the credit account within 2 months.

When the family did not use the MC until the 18th birthday of the child, then the rights to use the MC funds are transferred to the adult.

Also, MK is transferred to the child if the parents have died (or have been deprived of parental rights). It is only allowed to spend MK after 18 years.

Maternity capital and repairs

By law, parents are not allowed to use MK for home renovation.

But MK funds can be used for the construction or reconstruction of their own property.

But it is important to understand the difference between reconstruction and repair work. Reconstruction implies an increase in living space. Each tenant must have at least 18 squares. If the area is higher than the established indicators, then MK is not applied.

In some regions, the norm for square meters varies between 12 - 18.

In addition, reconstruction differs from repair work in the following indicators:

reconstruction involves a change in the planning scheme of the entire building, including the size, area, number of rooms, wall relocation;
as a result of the reconstruction, the purpose of the premises may change, for example, the store becomes a residential property.

Reconstruction is allowed only in residential buildings (in apartments - prohibited).

Funds MK for reconstruction can only be used when the child reaches 3 years old... If the family has equity, then changes in living space are allowed to be made at their own expense, and when the child reaches the appropriate age, the family receives compensation from the MC. At the same time, it is important to documentarily prove that it was the reconstruction that was carried out in the house.

Therefore, the family is prohibited from exercising renovation work under the guise of housing reconstruction.

Using capital when buying a car

Funds for a maternal certificate cannot be spent on buying a car. But when introducing this program, legislators proposed to introduce this item into one of the ways of spending MK. As a result, the authorities split into two camps, offering both positive and negative factors.

Initially, we will discuss the reasons why there was rejected similar idea:

Fast resale of vehicles in order to receive cash.
Possible car theft.
Rapid wear and tear of transport (especially a car assembled in Russia).
The machine is not compulsory purchase for a family with two or more children.

Now let's select positive characteristics when buying a car for MK funds:

the problem with the movement of families and children in urban conditions is being solved;
the availability of rural residents to schools, hospitals and other institutions;
usage vehicle as a way to earn money (taxi);
MK expense without adding own funds.

Household construction

MK can be used to build a house. In this case, home ownership must meet the following criteria:

Livability.
The land belongs to the category IZHS (residential development).
The site is in personal ownership or leased by the owner of the MK. At the same time, MK cannot be used to acquire land.
The object should be erected only on Russian territory.
The citizen has a building permit.
The house was built after January 1, 2007.

It is allowed to build a house both individually and with the help of construction organization.

When construction is carried out on its own, then MK payments are made at the beginning of the construction process in the amount of 50%. The second part of the MK is transferred 6 months after the submission of documents confirming the construction work. At the same time, it is important to keep all receipts and other payment documents.

When are involved in the work construction companies, then MK funds are provided after the conclusion of an agreement with the relevant company. This document is provided to the FIU upon application.

MK can be spent on shared construction.

To obtain an MK for construction a citizen must visit the FIU with such a list of documentation as:

application;
documentation for the right to own (or use) land;
building permit;
Bank details;
obligation to divide the shares of the house between the whole family (notarized).

.
To translate the second part MK need:

documentation confirming the fact of the work performed;
Bank account;
parents' passports;
marriage (or dissolution) certificate.

After graduation construction works home ownership is registered in the general shared ownership among family members(parents and children). Otherwise, the rights to dispose of home ownership do not differ from the generally established rules.

Using MK for a mortgage

Each family, upon receipt of an MK, has the right to deposit funds for partial repayment mortgages. At the same time, it is allowed to spend MK for this direction at any age of the child.

Therefore, after receiving the MC, the certificate holder has the right to apply to banking structure to conclude a loan agreement. But first, it is worth calculating the size of the salary, part of which will go to pay off the mortgage loan every month. In addition, bank employees take into account the applicant's experience, which should not be less than 6 months. And, of course, an analysis is performed credit history the applicant.

The acquired real estate object must be properly registered. At the same time, most banks require all documentation to be fresh, in particular, cadastral and technical certificate.

According to the law, real estate can be purchased from close relatives (father, mother, brother, grandfather, uncle), with the exception of the sale and purchase from one of the spouses.

MK funds can be paid as a down payment for the acquired property.

To obtain a mortgage loan, the owner of the certificate must first of all contact the bank, where employees make a preliminary calculation of the mortgage based on the price of a particular object. And also taken into account monthly income both spouses.

At the same time, the client provides a number of documents that differ in different banking spheres... But the basic ones are:

parents' passports;
birth certificates of children;
documents for the housing that is planned to be purchased (certificate of ownership, cadastral passport, technical passport, house book);
passports of the owners of the acquired housing;
expert assessment of real estate.

Step 2- obtaining credit funds and purchasing the selected object. The object will be encumbered by the bank until the full payment of the mortgage.

Step 3- after receiving a document on the ownership of the object, the client applies to the FIU. A citizen must submit an application and other documents, such as:

the passport;
statement;
maternity certificate;
bank agreement;
certificate of the amount of the total debt;
title deeds;
if available from the borrower (most often the spouse) - a passport; a document confirming the fact of relationship with the applicant.

The term for consideration of documents in the fund is 1 month. After the decision is made, a written notification is sent to the applicant. In case of a positive outcome, the citizen applies with the received notification to the bank where the loan was issued. After transferring MK to the bank, the debt amount is recalculated (if there is a balance).

Loan repayment

MK can be used to repay a targeted loan, which was associated with the acquisition of real estate. In other cases, MK is not used.

If one of these conditions is absent, MK does not apply.

To pay off the loan, in loan agreement there should be a note that the funds were spent on the purchase or construction of residential real estate. Second, the borrower must be the owner of the MC.

The "Maternal, Family Capital" program is already 10 years old. On this topic, watch the video:

It can be admitted that the MK issuance program worked 100%. Indeed, in the Russian Federation, not only the number of Russians increased, but also many young families were able to purchase their own housing. Read more about how you can spend MK in this article.

Maternity capital today is very tangible state support for many large and young families with two or more children. The legal framework allows for the use of concessional funds in order to:

Improve the living conditions of the family in the form of overhaul, including reconstruction, purchase of finished housing or its share, as well as the construction of a private residential building on a plot of land;
Pay for the education of the child in paid preschool, school and higher educational institutions with a state license, as well as accommodation in a hostel on the territory of the Russian Federation;
Increase the savings for the pension of the mother or, in some exceptional cases, of the father;
Purchase the necessary facilities for children with disabilities.

The above categories have some limitations. For example, finding housing only within the borders of Russia owned by family members (only spouses and children), payment for education for children under twenty-five years old, compulsory Russian citizenship, as well as the period after which you can use financial assistance maternity capital.

In fact, the time frame in which state aid can be used for the same purchase of housing depends on the age of the children and the purpose of the payment.

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Who is eligible?

Before considering any fixed time, it is important to take into account some of the nuances of obtaining the certificate itself. This is especially important in the subsequent transaction or mortgage for the purchase of housing. Applicable law and conditions social program accruals of maternity capital allow you to issue a certificate in the name of:

Particular attention should be paid to such rules for families in which only one spouse has Russian citizenship or in which the mother, for some reason, cannot obtain a mortgage. This is due to the fact that it is possible to use the maternity capital to buy a home only when the mortgage, the sale and purchase agreement and the ownership right are registered in the name of the recipient of the certificate, regardless of whether the deadline has passed and all requirements have been met. Moreover, one should not forget that you cannot cash out the certificate.

How much to wait?

Of course, one of the exciting questions is after what time and in what time frame it is possible to use the issued certificate for relying on maternity capital according to the law. Talking about magnification pension savings and payment educational institutions, this period is three years after the birth of the second child.

However, when funds are spent on buying a home, the following can be noted:

The term for consideration of an application and documents submitted to the Pension Fund institution at the place of residence of a family with children is approximately one month. Further, within five working days after the decision is made, the responsible officer must send the applicant a written notice of what decision was made.

Shouldn't be neglected

Given the fact that the term is not the only strict limitation that can be attributed to some kind of obstacle, citizens need to take into account the accompanying nuances. For example, there are cases when parents tried to spend a certificate to pay for consumer loans, issuing them for the purchase of any housing, sometimes not at all suitable for habitation. Since today there is no clear supervisory authority, it is necessary to indicate in the contracts what the loan was taken for. If there is no such mark in the documents, it will be necessary to prove that the loan was taken for the purchase of housing in court.

You should also not conclude contracts that talk about installments. Only a loan can be repaid with maternity capital when it comes to real estate.

Given the recent legislative changes and the fact that the duration of the social program for the payment of maternity capital has been extended, everything must be carefully planned. We have been talking about it for several years, so it is better to use it while there is still such an opportunity.

What to be prepared for?

There is no time limit for obtaining a certificate. It can be issued not immediately after the birth of the second child, but after the birth or adoption of the third, fourth. Also, the period of use of the received certificate for maternity capital relying on the law is not limited. That is, it is not necessary to spend it immediately after three years. However, this would be illogical, given the fact that one of the targeted purposes of this state aid is to pay for education. Although here there is an interesting point and it lies in the fact that it is possible to pay for tuition with the help of maternity capital only until the child reaches twenty-five years of age.

Whichever purpose is chosen, the recipient of the certificate will need to prepare everything in advance Required documents, no matter how much you have to wait after. The list of required papers will depend on the individual case and must confirm its focus so that employees of the Pension Fund have no doubts about where the budget funds are going.

In case of providing an incomplete list or inaccurate information in the documents, the applicant will be refused. And if you try to cheat and cash out funds, you can even be deprived of freedom for several years.

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