Maternity capital is a state program aimed at changing the demographic situation in the country and increasing the birth rate. This form of support for families with two or more children is a certificate that can be used for specific purposes.
Who is eligible for maternity capital
Families with a second, third, fourth or subsequent child born after January 1, 2007 are eligible for state support in the form of maternity capital. Its size is indexed annually, in 2007 it was 250,000 rubles, and in 2013 it was already 408,960.50 rubles. You can receive maternity capital only once, that is, it is not provided for the third child if it has already been issued for the second.
How to get maternity capital
To obtain maternity capital, you must contact the territorial office of the Pension Fund of Russia at your place of residence. You must have the following documents with you:
- applicant's passport;
- birth certificates (adoption) of all children with stamps of the passport and visa service on citizenship;
- Application for obtaining maternity capital. It can be filled out on the spot or at home, a standard form is available on the website of the Pension Fund of the Russian Federation.
Within a month, the submitted documents are considered, after which the applicant receives a message about the decision to issue maternity capital (or refusal). To obtain a certificate, you must visit the territorial office of the Pension Fund.
The period for applying for a certificate for maternity capital is not limited. The program itself is valid only until 2016, perhaps it will be extended with some changes.
Use of maternity capital: housing
The maternity capital or part of it can be used to purchase an apartment or house or for its construction. The latter can be carried out both independently and with the invitation of a third-party organization. Also, the "improvement of housing conditions", referred to in the Decree of the Government of the Russian Federation of December 12, 2007 N 862, includes a mortgage, so the maternity capital can be used to pay off part of the debt on such loans. And, finally, the certificate can be used when buying an apartment in a building under construction on the terms of a shared participation agreement. However, not all developers have such programs, and they cannot be obliged.
When buying a house or apartment, the funds are transferred to the seller's account within two months from the date of submission to the FIU of the purchase and sale agreement and the certificate of registration of ownership.
Use of capital for training
Maternity capital can be used to educate the child. In particular, it can be spent on paying the bills of a kindergarten or other preschool educational institution, as well as for teaching a child at a university, provided that he is less than 25 years old. Maternity capital can be used to educate any or all of the children.
Using capital to increase the mother's pension
Another option for using family capital is to increase the mother's pension, or rather its funded part, even if she has signed an agreement with a non-state pension fund. At the same time, the mother retains the right to subsequently refuse such an order by the maternity capital.
