Documents for obtaining maternity capital. List of documents for maternity capital

About the parent capital, the Russians heard relatively recently - in 2007. There was a lot of controversy and various rumors about this idea. The social program has appeared as supporters, and opponents. But nevertheless, the program successfully operates. And today we will talk about what documents will be required to receive the maternity capital at the moment.

Who qualifies for the certificate?

It is received by citizens in whose family the second (or next) baby was born. The right to it also has parents who adopted a third or more child. Of course, if they did not previously have the right to receive a certificate. Since 2007, more than 5 million families have become its owners.

Based on the law, a child who qualifies for a certificate should appear in this world until December 31 (inclusive) next year 2016. The very use of the certificate has no time limit. Money of family (parent) capital can be used to improve living conditions, as well as to pay for the education of children or a pension for the mother. They can be used in whole or in part.

The size of the parent capital in 2007 was a total of 250 thousand rubles, for 2014 it equals 408,960.5 rubles. The social program pursued the main goal: raising the birth rate in Russia, which was achieved.

Maternity capital: what documents are needed

The program has been operating for a long time. And yet the question often arises: "How is it possible to use the maternity capital, what documents are needed?" Their collection should not be difficult, since the necessary papers for obtaining are at your home. The required documents for the parent capital of 2014 have not changed since 2007. They need to be given to a special commission of the Pension Fund at the place of permanent residence or residence permit.

The list, which lists the documents for obtaining maternity capital, includes:

• Passport of the parent and his photocopy - pages of the document, where personal data, registration, children are indicated;
• Certificates confirming the birth of children, as well as their photocopies;
• The applicant's marriage certificate, a photocopy of the document;
• The applicant 's birth certificate , a photocopy of the document.
• Insurance pension certificate (SNILS) of the applicant and children.

At repeated marriage in a package of documents for registration of the certificate additionally it is necessary to add:

• A certificate that the previous marriage was canceled and its photocopy;
• Certificate from the registry office, corresponding to the form F-28 (it is a certificate of the conclusion of a previous marriage).

These documents are provided by the mother of children to receive maternity capital. There are times when a father gets it. For example, if the baby's mother died or was deprived of his parental rights by the court.

In cases where the mother has died, the documents for obtaining the parent capital are completed with the following references:

• Death certificate;
• A decision of the court that issued a decree declaring the death of the mother.

In the same cases where a mother is deprived of her rights with respect to a child, the following shall be attached:

• Documents confirming unlawful acts against the child;
• the court's decision.

In some cases, the child can personally receive this payment. To the above list are added papers officially containing data confirming the death of his parents.

Where to send funds?

The funds received under this state program are still allowed to be used in three directions: to improve living conditions, any education for children and pension provision for the mother.

According to statistics, citizens direct funds mainly to improve living conditions, and only a small percentage - for the education of children or for the accumulative part of the mother's pension.

Acquisition of housing

Today it is not so easy to buy a home for a young family, given the constant rise in property prices. Maternity capital will be of great help in this matter, because one of the directions of its use is the improvement of living conditions.

This term means the reconstruction of housing, purchase, construction. Perhaps with the help of a certificate and repayment of a mortgage. It should be remembered that in order to be able to direct funds to improve living conditions, the child at this point must be full 3 years. You can use funds immediately, if the goal is repayment on a loan. Moreover, only debt or interest is repaid, fines or delinquencies can not be repaid.

When buying for the maternity capital of housing it is worth considering that it must necessarily be located on the territory of our country. The owner can be either a mother or a spouse. Making out the mortgage, it should be remembered: the contract should be written that apart from the mother and the spouse there are no other co-borrowers, and that the registration of the property was done without relatives.

Education of a child

Funds can be spent on the education of one of the children, including the use of funds to pay for preschool education. Mother's capital is allowed to pay for a preschool institution of state / non-state type, which has a license and accreditation.

You can also split the funds to pay for all children's studies. You can split the funds and use only a part in any of the three possible directions.

If the parents decide to change the school, university or preschool for their child, they should definitely notify the Pension Fund, that is, write an appropriate application. From this moment, money directed at the education of the child will be transferred to the account of another educational institution.

Referral of funds under the program to the mother's pension

In addition to improving the living standards, paying for the education of children, there is one more area of the social program. This is a redirected maternity capital - a "pension" option. If the option was chosen with the transfer of funds for the provision of the mother's pension , then it is always possible to redirect the funds (or part thereof) to education or to improve housing. The main thing is that this operation should be carried out before the pension is appointed. It is only necessary to come to the Pension Fund and write a corresponding application.

The law of the Russian Federation does not permit the issuance of family capital by "live" money. It is criminally punishable and fraudulent. Also, the purchase of maternity capital is legally prohibited. Although there are a lot of similar ads on the Internet, such actions are considered illegal.

Cash can be obtained only when the retirement age is reached. To transfer funds to the funded part of the pension , only an application is required for the account of the certificate, no additional documents are needed.

In different regions of the Russian Federation, it is planned to pay maternity capital at a regional level in the future.

Is it possible to refuse to obtain a certificate?

It is possible, if:

• Absence or termination of the right to additional measures of state support;
• In case of indication of inaccurate or incorrect information in the application;
• Parents are denied the right to raise their first child;
• A born child is not a citizen of the Russian Federation;
• The family received earlier maternity capital.

Has the maternity capital undergone changes in 2014?

In 2014 it became known that the Ministry of Labor is working on a draft law on maternity capital. The purpose of this bill is to develop conditions through which the certificate can be used as an option when repaying loans (housing acquisition). Also this bill takes into account measures to prevent fraud. While this bill is under consideration.

If adopted, it will include provisions in which a list of organizations with which it is impossible to enter into credit relations will be presented. Family capital may be used only by credit cooperatives or large organizations. State structures will strictly follow their work.

If the institution fails to comply with the norms established by law, then lending operations, where it is planned to use money from maternity capital, will be banned. Citizens wishing to pay off a loan for construction or purchase by their parent capital will have to apply only to organizations specified by law.

Cooperation with Sberbank

To benefit from the improvement of housing, the construction of a house at the expense of public funds (maternity capital), Sberbank offers a program of lending to citizens "Mortgage plus parent capital." Under the terms of the bank, citizens will be able to repay the loan with the help of the MC. Also available to the public and other programs:

• A loan for the purchase of finished housing;
• Credit for housing under construction.

As soon as the maternity capital certificate is on hand, citizens will be able to use these programs. The main advantage of the mortgage program is that you can get a loan with the help of the parent capital, which ensures payment of the initial installment.

Documents for credit (mortgage)

To make a mortgage, you need a standard set of documents for entering into a contract, a certificate, a certificate from the Pension Fund about the balance of funds.

Registration of a mortgage does not take much time. The period for considering the application of citizens is five days. It can be issued for any of the spouses. It should be remembered that maternity capital can not be cashed (pursued by the Law of the Russian Federation) or transferred to another person for use, nor can a tax deduction be obtained.

To what year does maternity capital operate?

Many citizens are worried about what will happen next with the mother's capital? After all, everyone knows that the force of the law, which entered in 2007, ends by 2016. There is an opinion that it is worth using maternity capital before this time, otherwise it will cease to function. This information is false. The certificate does not expire, that is, it will be valid even after the conditional termination date of the program. Citizens can use it at any time convenient for them.

But do not forget that the child (adopt) the child should be until December 31, 2016. Many deputies of the State Duma express their opinion in favor of extending the law until 2025.