A certificate for maternity capital is a measure of state support for families with a second child. This measure was introduced in 2007 and is planned to be applied until 2016. Currently, the amount of maternity capital funds is 365,700 rubles.
Instructions
Step 1
Maternity capital can only be applied when the second or subsequent children reach three years of age. You can get a certificate for a third or fourth child, if the woman has not previously exercised this right. The duration of the use of maternity capital funds is not limited, i.e. it can also be applied 20 years after the birth of the child. At the same time, maternity capital funds will be indexed at least until 2016.
Step 2
The list of areas for the use of maternity capital funds is small. The main one is the improvement of living conditions. Eighty percent of Russian families spent their capital for this purpose. Within this area, funds can be used for the purchase or construction of residential premises, payment of an initial payment for construction or obtaining a loan for housing, repayment of an existing mortgage loan, payment for participation in shared construction, reconstruction of a real estate object. At the same time, housing under construction or purchased must be located in Russia. Maternity capital cannot be spent on the acquisition of a land plot, home repairs and the purchase of materials for repairs.
Step 3
The next direction of using maternity capital funds is the education of children. At the same time, they can be spent to pay for education in state and municipal educational institutions, as well as non-state ones that have a license and accreditation. It should be remembered that a child can only study in institutions located on the territory of Russia, and at the time of the start of training he must be no older than 25 years.
Step 4
Maternity capital can be directed to the funded part of the mother's labor pension. To do this, you need to contact the Pension Fund and write a corresponding statement. In this case, the decision can be abandoned until the pension is accrued. Maternity capital can be used in parts, for example, one part of the funds can be spent on paying off the mortgage, the other - on the education of the child.
