The birth of a second or subsequent child after January 1, 2007 entitles families to receive maternity capital. But, unfortunately, in order to use the promised money, you have to wait, as the saying goes, for three years. And money is very often needed right now. Everyone habitually scolds the financial crisis, but it was after it that we got the opportunity to take advantage of maternity capital ahead of schedule.
Instructions
Step 1
According to federal law, it is possible to receive maternity capital ahead of schedule only as payment of the principal debt and interest on a home loan. That is, first of all, you need to take out a loan from any credit institution, for example, a bank. The main thing is that this money should be spent on the purchase of housing.
Step 2
After that, get a certificate from the bank about the amount of debt and interest. To do this, provide the following documents:
- passport;
- application for a certificate;
- a copy of the certificate of the Maternal family capital.
The certificate will be issued to you within one to five days.
Step 3
Then follow to the Pension Fund with an already large package of documents:
- an application filled out on a special form (the form must be obtained from the Pension Fund office, since it has a non-standard form and cannot be printed on a regular printer);
- certificate of maternity capital;
- pension insurance certificate;
- passport with registration;
- a copy of the loan agreement;
- certificate on the amount of principal and interest;
- certificate of state registration of ownership of the acquired housing;
- a notarized commitment that all family members will receive an equal share of housing.
Step 4
Having received confirmation of the rights to use maternity capital from the Pension Fund, go to the bank, again taking with you a rather large folder with documents:
- passport;
- a copy of the State Certificate for Maternity Capital;
- loan agreement;
- notification of the Pension Fund of a positive decision (plus a copy);
- certificate of ownership;
- the last informational calculation.
Step 5
Then wait until the end of two months, during which the pension fund requests money from the federal budget and transfers it to the account of a credit institution. After that, you will receive another informational calculation from the bank in order to confirm the intended use of the maternity capital funds.
