FinancePersonal Finance

How do they cash maternity capital in legal ways?

Since 2007, the state has improved the financing of young families with two or more relatives or adopted children. Initial assistance amounted to a quarter of a million rubles., Taking into account inflation in 2014, a certificate worth 420,000 rubles is issued. Absolutely all families who have a second or subsequent child born after January 1, 2007 can claim state aid, this program also applies to adopted children. That is why parents ask themselves how they cash their mother's capital.

How to get financial assistance from the state?

It is not necessary to run after the birth of a child immediately after the birth of a child, they can still be used when the child turns 3 years old. The right to receive help from no one parents will not take, so you can get the money at any convenient time. Responsible for the implementation of the program is the Pension Fund of the Russian Federation, its representatives will tell in detail how to cash maternity capital.

To obtain a certificate confirming the right to state material aid, it is necessary to collect documents: a birth certificate for all children, a mother's passport, a certificate of compulsory pension insurance, and a court decision on adoption. Then you need to apply to the PF at the place of residence and write an application according to the established pattern. The organ is given only photocopies of documents. The certificate will be available in a month.

The main methods of obtaining funds

Not knowing how to cash maternity capital, many unconscious parents come across the bait of swindlers. It should be remembered: it is legal to use state aid only by non-cash payments. Every year, the law is amended, and the methods of using maternal capital becomes more. To date, most often a certificate is used to improve the living conditions of the family. Parents can buy housing, build themselves, take part in shared construction, reconstruct, pay a mortgage or interest on it.

Maternity capital can go to pay for higher education of any child in the family, additional education in institutions that have a certain license, municipal and state schools or kindergartens. The certificate can be used to increase the accumulative part of the mother's pension , it is allowed to contribute money to private pension funds. Also, the issue of the possibility is being considered at the expense of state aid for obtaining higher education for the mother.

Which banks cash their parent capital?

In Russia, there are many banking institutions that accept certificates as payment for mortgage loans. In search of opportunities, how and where to cash maternity capital, some parents fall into the network of scammers, while losing at least a third of the money, and as a maximum - all means. The state does not provide for cash, which could be spent on food or clothing, so do not go after the evil dealers.

PF staff will tell you how to cash maternity capital by legal means. If the family needs to improve housing conditions, then for a loan with subsequent repayment, state aid can be paid to the following banks:

  • Sberbank - provides loans for 30 years at 14% per annum, works with ready-made buildings.
  • DeltaCredit - issues housing loans with an initial contribution of 5%.
  • VTB24 - issues loans for 50 years at 11% per annum. Maternity capital can be paid as a down payment.

Also, lending products are offered by the Bank of Moscow, Primsotsbank, UniCredit, Nomos Bank.

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