Maternity capital is indexed every year, and its amount has only increased in recent years. In 2012, the amount of maternity capital is 387,000 rubles. It can be spent only for the purposes defined by the current regulations.
Instructions
Step 1
It is possible to use maternity capital for one of its direct purposes only 3 years after the birth / adoption of the second and subsequent children. However, it is possible to repay a mortgage loan using MK earlier. To use these funds to pay off the mortgage, contact the Pension Fund by writing a corresponding application.
Step 2
You can spend MK to improve housing conditions, that is, to purchase or build additional housing or to issue a loan for the purchase / reconstruction of housing. According to the law, not only a woman who received a certificate for MK, but also her legal spouse can apply for a loan. The only condition is the location of the purchased house / apartment on the territory of the Russian Federation.
Step 3
Also, MK can be spent on the child's education. And you can pay for your studies only in educational institutions located on the territory of our country and having all the necessary licenses and other documents for the provision of services, which are certified by the Ministry of Education of the Russian Federation.
Step 4
In addition, you can start forming the funded part of your labor pension at the expense of MK. To do this, an application is submitted to the Pension Fund, a sample of which you can either download from the Internet or take from the Pension Fund. Then you can send the funds received to the funded part of the pension.
Step 5
And the last thing you can spend your MK on is everyday family needs. Submit an application to the Pension Fund for the provision of MK payment or its part or balance to you. The sample application, again, can be downloaded from the net or found in the PF. If your request is satisfied, you will be able to use the allocated funds as you see fit. However, please note that by law you cannot buy cars and other property on MK.
