Maternal capital in 2019 is still one of the most popular and sought-after measures to support families with children. This year there have been changes in the provision and use of capital funds. Read more about everything in this article.
Maternal Capital 2019: Changes
For all the time of the program - from 2007 to 2019 - the amount of maternal capital on which families with two children can count and more, increased from 250,000 rubles by more than 80%.
However, in 2016, for the first time in all the time the program, the Government of the Russian Federation decided not to increase the maternal capital due to the complex financial and economic situation in the country. According to the Federal Law of December 19, 2016 No. 444-FZ, the annual increase in the amount is frozen until 2020. Therefore, since 2016, the amount was not indexed. Thus, in 2019, as in previous years, maternity capital amounted to 453,026 rubles.
since 2020, the indexation will continue:
- 2020 - 470 241 rubles.
- 2021 year - 489 051 rub.
Maternal capital size in 2019 - 453,026 rubles
At the same time, the law provides for the possibility of affecting the amount of payments in the event of a revision of the budget parameters. But for this, the State Duma must adopt an additional law.
The amount of maternal capital in 2019 remained the same, but there are other changes that entered into force. Namely, the decision has decreased on issuing a certificate of the Matteripal (or refusal to issue) from 30 days to 15 (Law No. 390-FZ of 30.10.18).
The term of maternal capital in 2019. In accordance with the Decree of the Government of the Russian Federation of 03.03.2017 No. 253, the period of receipt of the certificate should now not exceed 1 month and 10 working days from the date of application for ordering a certificate. Such a term applies to all cases of capital use, except for the formation of a retirement mother.
Documents for receiving capital in 2019. Another change is a list of documents for the use of capital. Now, if the family decided to direct funds for the improvement of housing conditions, as a document, which confirms the ownership of residential premises or land plot, the FIU takes a copy of the statement from the USRP, and not a certificate of state registration of ownership, as it was before.
Who can get maternity capital in 2019
In accordance with the Federal Law of December 29, 2006 No. 256-FZ, it is possible to obtain a certificate only once at the birth or adoption of the second child (third or subsequent, if the second maternity capital has not been issued).
Persons who have the right to pay may apply for its receipt at any time, but no later than reaching a child for three years.
Application for the annulment of a previously submitted statement about a one-time payment from maternal capital When you need: if a person decided to abandon a one-time payment from the certificate. To do this, write a statement about the cancellation of the previously submitted statement.
If in the family until 2007 there were two children, then parents cannot get capital. If after January 1, 2007 they had a third child, they could count on paying. If the family has a fourth child with time, they will not be able to reuse capital, as they have previously implemented their right, having received a certificate for the third child.
At the birth of twins, you can get only one payment, while it does not matter what child it will be decorated. If the first child in the family was born dead, then in accordance with the law it will not be considered born, however, if the child has lived at least a day and the parents have evidence confirming the fact of his birth, then such a child will be considered first. Then, at the birth of the second child, parents can apply for capital. If another child appears in such a family, then it will be second, but according to the law - the third and for him the family will not receive the payment.
note
In certain regions of Russia, their own own system for supporting large families and the birth rate may apply. If the federal maternity capital family can only get once, then in some regions of the country there is an opportunity to repeatedly obtain regional maternal capital.
What can be used maternity capital in 2019
In 2019, the certificate can be used for the following purposes:
- improving housing. For example, change one-room apartment on a two-room;
- child education, including pre-school education (developing clubs, kindergarten, etc.);
- pension accumulation of mothers;
- buying medical and other goods, as well as the adaptation of a disabled child in society.
In addition, the State Duma introduced a bill that expands the possibilities of using the certificate. He wants to spend spending on the purchase of a car. But with one condition - the car must be produced in Russia. Several categories of families will be able to spend maternity capital for the purchase of a car: families raising adoptive children, disabled children and large families. Such families of families need additional support measures, the authors of the project are considered. If the family will take a loan, then payment can be paid to the repayment of the principal debt and percent of the car loan.
Another new project establishes a restriction on the sale of a car purchased using a certificate for maternity capital, during the first three years of operation. This will help, according to the authors of the draft law, to zero fraud associated with the cashing of funds for the child.
One-time payment from maternal capital in 2019
Many families have not yet taken advantage of the right to pay in full: someone does not hurry to file a statement, someone does not know how to spend payout.
The amount of one-time payment from maternal capital in 2019 is 25,000 rubles (Federal Law of 06/23/2016 No. 181-FZ).
One-time payment can be obtained in size:
- 25 000 rubles - in the general case;
- in the amount of the residue - if it is less than 25,000 rubles at the date of submission of the application.
You can apply to IFC or online on the official website of the Pension Fund. Also in the Personal Account on the Fund's website there is a service that allows you to find out the balance of capital.
By the way, recently, State Duma deputies proposed to replace one-time payments for monthly in the amount of from 3 to 15 thousand per month depending on how many children in the family. True, the milder idea with the replacement of maternal payments for payments was not supported by considering impracticable and, as a result, not ineffective.
What will happen to the Maternal Capital Program in 2018? Will it extend it, what will be the size of the certificate? Read the latest news and changes in the new material:
For 10 years, the program of the Matchekapla program proposed Vladimir Putin and begun from January 1, 2007, state certificates MSC have already received more than 7.3 million familiesIn which the second or subsequent child was born or adopted during this period. The size of the certificate during this time rose from the initial amount of 250000 rubles. Almost 2 times thanks annual indexation And amounts to now 453026 rub. However, in 2017, maternity capital again not indexed - About this on September 30, 2016, the Minister of Labor and Society Maxim Topilin, calling it the final decision of the government.
The terms of the program established by law of December 29, 2006 No. 256-FZ were adopted by the Government and the State Duma in a prosperous time for the country (the so-called "Fold zero"), and their implementation in the context of the economic crisis has already become difficult, because of which the leadership of the country was forced to go to unpopular measures:
However, these are small in comparison with the fact that the action of the program could generally complete 31.12.2016Since initially in accordance with the adopted law, it was calculated for a period of 10 years! Fortunately, Vladimir Putin instructed to extend the program for at least 2 years - until December 31, 2018 inclusive.
Will Mathapital be in 2017 for 2 children?
In 2017, a change in the list of directions for using a certificate is not provided. As before, Matkapital can be spent:
- without waiting for 3 years:
- on repayment of obligations on housing loans or loans, including ;
- on compensation for the acquisition goods and services for disabled children in accordance with
453,026 rubles - this will be the size of maternal capital, starting from January 1, 2017. This was stated by Olga Golodetts after the meeting of the Cabinet of Ministers last Thursday. An increase in planned 5.5% or 22 thousand rubles, as previously predicted, did not happen, the question is as always rests in the budget, which and so little burned to the coming year. The proposal for the reindexation by the beginning of 2017 on real inflation indicators was also rejected due to the insufficiency of the budget funds, which, as we remember, was formed before the sharp drop in oil prices and the decline in the ruble exchange rate.
Maternal capital 2017. Size, accurate amount
1. For the first child in 2017 The current legislation is not provided for the existing legislation,2. For the second child in 2017 maternal capital size will be 453 000 rubles,
3. For the third child in 2017 Maternal capital is paid only if at birth or adoption second child family for some reason did not receive accruals
Is it possible to buy cars for maternity capital in 2017?
This question was viewed since the beginning of May 2015 and quite seriously. Tatyana Golikova, during one of the meetings with journalists, stated that this question was not once and in favor of making a positive decision, such arguments were proposed: maternity capital is still used to improve the living conditions of citizens, why do those who already have an apartment And repaired, not to spend the Mattering for the purchase of a car? Even called the Conditions for the purchase that could be accepted from January 1, 2017 are: it should be a car released in Russia (not necessarily Russian production) and necessarily economy class. However, as of today, no bills concerning the purchase of a car for the means of maternal capital is not.Is it possible to buy a land plot for maternity capital in 2017?
If it comes to specifically about the land plot - buy it for maternity capital will not allow current legislation. And trying to cash out the amount, moving on ads on the Internet like "buy Maternal Capital" - not worth it. Machinations will be revealed and you will answer the law throughout its rigor. There is no other way. On the Internet there are a lot of examples of preventing illegal fraud with maternal capital and its inappropriate use. Always in the end the families respond to the fool of state structures and then the power consists turn into litigation with state structures.What can be done if in your plans - building a private house on the land plot and do you have maternity capital? From January 1, 2017, as already mentioned, the amount of funds for the second child will be 453,026 rubles. The amount is quite impressive, especially for the regions of Russia, where the land in the area is much cheaper than in megalopolis. Since in 2017 the improvement of housing conditions at the expense of maternal capital assumes the construction of a private house - this opportunity can be used. Conditions are such that it will be necessary to attract a construction organization and work with it through the conclusion of an official agreement, notifying the social protection bodies and the Pension Fund on your decision.
Further, within 2 months from the moment of adoption of the application and obtaining it approval (building a house, not the purchase of land, we remind you: you will be listed in the amount of 50% of the total amount (453,026 rubles), the second translation will be made later and only After you provide certificates about the pace of construction (purchase of building materials and the construction of the foundation and walls) that you will be given from the organization conducting construction work. The Pension Fund should receive confirmation of funds for the purpose. Naturally, you will also need our own funds, as the foundation and walls in the house of the average value will cost more than the calculated 140,000 rubles (the first part of the maternal capital).
Video on the topic of building houses on maternal capital
What is since January 1, 2017 it will be possible to spend maternity capital?
Just recently, it became known that the approval of the government received a bill on payment for services for children with disabilities and the purchase of goods that would help them "quickly go through the procedure for adaptation to the environment." The interpretation of this law is quite interesting and ambiguous. For example, for medical treatment of disabled children, it is impossible to spend money from the Matkapital, but it will be possible to produce a dedicated means:Purchase of ramps and handrails for equipping an apartment,
- purchase of massage tables,
- purchase of exercise bikes for children with cerebral palsy,
- purchase of lifting devices for children with limited motor capabilities,
- Purchase of special equipment for equipping computers (specialized monitors for visually impaired and keyboard, equipped with braille font),
At the same time, the text of the bill involves permission to use the maternal capital until a child achieve a child of three-year-old age.
Otherwise, maternity capital from January 1, 2017, as before, can be spent on:
- Improving housing conditions (buying an apartment, repair in the existing apartment),
- formation of the cumulative part of the mother's pension,
- payment to children,
Among young Russian families, the most discussed and relevant theme is maternity capital in 2017 and new adjustments made to the legislative framework for this program.
The Government of the Russian Federation is making measures aimed at improving the material status of citizens. With the advent of children in the family, not only joy comes, but also there are additional costs for the exercise of the child's life and family in general. The Maternal Capital program is primarily aimed at supporting mothers and childhood.
After reading this article, you will learn about the latest innovations of the legislation on maternal capital in 2017, about its target use, size, timing and procedure.
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Who spreads maternity capital
According to the Federal Law No. 256-FZ, the maternal certificate applies to citizens of the Russian Federation and is aimed at supporting families in which the second / subsequent child appeared. Get paid on the parent certificate have the right of mother and legal adopters of the child, if the certificate was not previously received or the payment on it was not produced, as well as minors and students who study in full-time under the age of 23, in cases of deprivation of their parents' rights on Receipt of payment.
Maternal capital size at the first, second and third child
Maternal capital in 2017 for the first child
In 2012, the State Duma suggested the proposal to revise the law and extend the action of the subsidy on the first child in the family. Many of the Mothers of the only children argued that they have the right to participate in the program. Nevertheless, the authorities have made a negative decision, bringing the following arguments:
- The federal program was originally created to increase the demographics of the country. As a result, if you give the right to families with one child to participate in the program, most parents will be limited to one child, which will lead to a demographic decline in the country. Thus, the fertility should be motivated from the second and subsequent baby in the family.
- Another goal of the bill was to raise the status of the mother and compensate for the missed time and money. As a rule, a woman, being on maternity leave, loses professional skills and depreciates in the eyes of many employers as a specialist, which affects the further career and affects the negative set of mothers to prevent the second or third time. The state program is aimed to convince the woman in this and compensate for possible financial losses.
- The most significant rationale for what reason in the revision of the law was denied, this is a lack of a budget to ensure each mother with such amounts.
The likelihood that the bill is revised again is zero. Moreover, in Russia for the birth of the firstborn, there are certain payments - this is a decree allowance and manual for the care of minor children.
Maternity Capital in 2017 for the second child
Since the launch of a certificate issuance project for the second child's parents, 10 years have passed, as a result, most families are asked: until what year did maternity capital exit?
The President extended the program until 2018. However, the amount of certificate in 2017 for the second child will remain unchanged and will amount to 453 thousand 26 rubles.
Maternal capital in 2017 for the third child
In 2014, the Belgorod Regional Duma submitted a project for consideration, which stated to increase the subsidy for the third child 1500,000 rubles.
In 2015, the proposal of deputies was rejected.
In 2017, Vladimir Putin extended the Mother Program and left it on the previous conditions.
Thus, the certificate for the third child may be arranged in case it has not been issued earlier.
Registration of maternal capital
Citizens who have become parents from the beginning of 2007 have the right to apply for the certificate, in case the child is less than 23 years old.
Family certificate and payment on it is carried out once and is not subject to transmission. In the event of the death of a child, the document finishes the action. If the certificate is lost, it is possible to replace it with a duplicate.
Where to apply for registration
To obtain a subsidy, you can apply to the Pension Fund in three ways:
- Contact personally
- Send mail statement
- Through the portal of public service
Consideration of the application will be no more than a month.
Documents for maternal capital
To obtain a certificate, you need to provide the following documents:
Statement on issuing state. Certificate for family capital. In this document, the applicant must indicate:
- Status (Father or Mother)
- Passport data
- Belonging to citizenship
- (SNILS)
- Address
- Information about children
List of documents for father / adopter
In the event of the death of the mother or the loss of its parental rights, the right to obtain a family certificate goes to the Father or Adoporter. In addition to the main list of documents, the following paper is required:
- Certificate and judicial decision on the death and recognition of the mother of the dead
- The decision of the authorities to commit a crime against the child / about the deprivation of rights
Procedure for registration
The design procedure includes three stages:
- Registration of the application
- Consideration of applicant documents (1 month)
- decision
Term of registration, obtaining, action
For consideration of the applicant's documents, 1 month and 10 days for the transfer of funds are given. Earlier, one month was assigned to the payment of the subsidy, from the moment of accepting a positive decision before issuing a certificate. Thus, the entire design process takes no more than 1 month and 10 days.
Order by a certificate is not limited to time. However, to participate in the state. The program and receipt of the right to pay subsidies, the child in the family should be born until the end of 2018.
The legislative framework
The basic conditions for obtaining and ordering the mother certificate are registered mainly by the Federal Law No. 236-FZ, which gradually introduced amendments and changes. For example, since 2007, the certificate funds could be sent to the child's training, improving housing conditions, as well as to the accumulation of the mother's pension. Later it became allowed to send funds to the mortgage account, then it became possible to listed the mat. Capital at the expense of the owner, and from 2016 it became possible to spend capital for the treatment of disabled children.
In 2009 and 2010, a lump-sum payment of 12 thousand rubles and 20 thousand rubles in 2015-2016 were permitted.
Since the state of the state program, discussions about what amendments need to be made, do not stop until today.
It was repeatedly proposed to allow the purchase of a vehicle by certificate. Also, questions were opened on the storage of funds in the bank, in order to obtain interest.
However, in 2017, according to the law, maternity capital in 2017 can be spent on the following actions:
- Acquisition, reconstruction, housing construction, incl. to participate in share construction.
- Payment of kindergarten, music school, university, college, incl. It is allowed to pay for the room in the hostel of the university / technical school.
- Translation into the PF of the Russian Federation, in this case, interest will be accrued for the translated amount of funds.
- Adaptation of disabled children.
According to the law, maternity capital can be used only 3 years after the child's birth. The exception is considered to repay debts on liabilities / loans to purchase housing.
Mat. Capital is allowed to divide for certain purposes. For example, the share of funds to send to training, part to repay a mortgage loan.
Frequently asked Questions
Is it possible to return the funds of the certificate that were sent to the pension fund to the accumulative part of the pension?
Yes, you can. If capital funds were sent to the formation of a pension and, there was a need to use them to other needs, in this case, it is necessary to write a statement of refusal to dispose of capital and send it to the PF of the Russian Federation, but no later than the offensive of the retirement age.
How to direct maternity retirement?
In order to translate funds in the accumulation of the mother's pension, the right holder of the document requires a corresponding statement of agreement to the PF of the Russian Federation. It is possible to do it 3 years after the child's appearance in the family.
Is it possible to pay capital education of the first child?
This is possible. The law is allowed to spend capital on the formation of any child in the family. However, this can be done no earlier than 3 years old to the child, the certificate is issued on whose name.
If the husband has a son from the first marriage who lives in our family, do I have the right to pay if I have a second?
No, It is Immpossible. Due to the fact that the son of the husband falls as a stepmother, it means that the MK is not allowed. In your case, you need to give another common child to get support from the state.
How to get maternity capital, if we live in another country, with our children and our children. Can we claim the maternal certificate?
Yes, by law, you have the right to receive this manual and pay on it, where you live, does not matter. However, your child must have the status of a citizen of the Russian Federation. Thus, in view of the fact that your children are citizens of the Russian Federation, you have a certificate you have absolute right.
If the statement by order of the MK was already submitted, then is it possible to change the focusing of funds?
Yes, by law, you have the right to change the decision on the directivity of the MK funds. This requires to contact the Department of the Russian Federation RF with a statement. However, it is necessary to have time to do this no later than the decision will be made on the first statement.
Is it possible to buy cars to maternity capital?
The authors of the bill introduced some restrictions on the possibility of using the maternal capital of 2017 to buy a vehicle. This right can take advantage of not every family. Only large families, or families raising a disabled child, as well as parents adopters can count on the car. In this case, the purchase of a car is considered appropriate.
It should be taken into account that the law is allowed to spend the maternity capital2017 solely on the car of the domestic manufacturer. The vehicle can not be sold during the first 3 years after the purchase. In the case of buying a car on credit, large families program allows you to pay off a loan / credit at the expense of the maternal certificate.
Whether the State Duma is supported by the draft law. However, experts predict the development of this area, in view of the fact that the ability to use the maternity capital for the car, in the future there may be support for the domestic automotive industry. Moreover, on the budget this innovation will not affect. According to surveys, the possibility of buying a vehicle at the expense of MK money, for most families is promising.
How to cash out maternity capital
To date, a large number of firms engaged in the "cash" of family certificates appeared, incl. On the Internet. It should be borne in mind that actions aimed at attempting to "cash out" maternal capital 2017 are under criminal liability. Such companies are under tightened control of the authorities.
Nevertheless, in 2015 and 2016 there were a legitimate procedure for obtaining funds in cash from the MC. In 2015, it was possible to cash out 20 tr., In 2016 - 25,000 rubles.
10 years later, from the moment of the start of the family support program, the question of the possibility of removing cash from the maternal certificate is still the place to be.
According to the law, money from maternal capital is translated only by non-cash transaction by the Pension Fund of the Russian Federation, according to the application of the copyright holder.
A person who has a family certificate, agreeing to participate in any "cashing" procedures, comes against the legislation of the Russian Federation and can be recognized by the court decision by an accomplice of a crime aimed at the inappropriate use of budgetary funds.
Improving housing conditions due to maternal capital
The current Federal Law in 2017 permits the use of a certificate for improving housing conditions at once to several targeted uses, depending on the needs of the family in increasing the area of \u200b\u200bhousing or reconstruction of available real estate. Each of these directions is characterized by the features of sales, terms, conditions, etc.
In 2017, under the Family Support Program, there are two ways to improve housing conditions:
- Enlarge the existing area (reconstruction of the emergency condition). Repair, including capital, is not paid, as the repair does not imply expanding at least one accounting rate of the housing.
- Purchase new residential real estate. This method gives the right to choose the owners of the certificate and implies several options for buying housing:
- Payment of the entry contribution of housing accumulative cooperatives. This method is defined as more economical in terms of payments than mortgage, but this is not always feasible due to the lack of proposals of this type of construction.
- Payment for participation in equity construction.
- Payment of mortgage transaction. Through a certificate, an initial fee or a balance of bank loan can be paid.
- Purchase of housing under the sale contract.
Conditions for receiving maternal capital 2017 on improving housing conditions
There is a list of conditions for the target use of state support that are supported by the legislation of the Russian Federation and are not subject to challenge in court:
- One-time payment from maternal capital in 2017. State support in the form of financial payments can be spent only on one target appointment specified in the statement in the Pension Fund of the Russian Federation. In case of detection of violations, the transfer of funds will be blocked or the certificate holder undertakes to return them (if the fact of fraud)
- Many unscrupulous residents of the country are a fraudulent method trying to simultaneously get money from the budget and arrange another accommodation in their name (buying apartments in close relatives, etc.). In this and different cases, these actions entail criminal punishment.
- The repayment of a loan / mortgage maternal capital is possible after the past of the age of 3 years and until they reach 23 years. Penalties and sanctions in any kind of loan maternity capital does not repay.
Indexation of maternal capital 2017
Family certificate is designed primarily to support maternity and aims to improve living standards in large families. Due to the fact that inflation is growing, the income of citizens decreases, as a result, the living standard of life is worse. In order to prevent the depreciation of the money, the Government of the Russian Federation provided its indexation. The indexing of the subsidy occurs automatically, so citizens do not need to take any formal actions regarding the indexation of coefficients.
Below is the growth statistics of the coefficients from 2008 to 2016:
- 2008: The coefficient increased by 10.5%, the amount of payment amounted to 276,250 rubles.
- 09 Year: k- 13%, amount - 312 162 rub.
- 10 year: k 10%, - 343 378 rub.
- 11 year: K 6.5%, - 365,698 rubles.
- 12 year: 6%, - 387 640 rub.
- 13 year: 5.5%, - 408 960 rubles.
- 14 year: 5%, - 429,408 rubles.
- 15 year: 5.5%, - 453 026 rub.
- In the 16th and 17 years, the indexation ceased. The amount remained the same.
How the amount of the received capital is indexed
Upon receipt of the certificate, the document puts the amount corresponding to the amount of payment for a certain year. At indexation, the date of issuing a document does not affect. However, if the certificate is 2011, when capital size amounted to 365,698 rubles, and parents decided to use it only in 2015, when the amount of MK was 453,026 rubles, then this amount will be directly supplied.
How to use maternity capital up to 3 years
MK is a program of social support for motherhood and family. Get the document is possible immediately after the child's family appears.
According to the law, the certificate holder has the right to use money on the target appointment after the birth / adoption of the child, 3 years later. To get paid, you need to write a statement and transfer the necessary documents to the local PFR authority.
If the certificate has not passed since the certificate, the state allows you to send money on the intended purpose associated with the repayment of mortgage loans and housing loans.
Maternal capital and construction of the house
Consider questions on the use of maternal capital to build a house.
Use a subsidy for the purchase of a land plot is impossible. In this case, the pension fund, according to the law, must refuse this.
The exception is the purchase of land simultaneously with the house present on it, which corresponds to the conditions for living in it. Then the state lists the amount for the purchase of the house, and the Earth will remain an addition to it.
Citizens who own a family certificate for maternal remuneration should be addressed to the Pension Fund.
After consideration, the PF of the Russian Federation will list half the amount of capital, in the presence of a certificate at MK, the passport of the certificate holder, the passport of the spouse, the marriage certificate or termination of marriage, in the presence of advocate papers on land, documents confirming the right of ownership, as well as when providing permission to Construction and details of the account where to translate money.
After six months, the copyright holder of the certificate may receive the remaining part in the presence of a lease agreement, certificate of registration of law and other papers confirming the right of ownership of the land plot.
Is it possible on maternity capital to buy a country or garden plot for construction
To get a subsidy from the state, the Pension Fund will ask for a document giving the right to build a residential building.
According to the law, for the construction of the house, it is forbidden to use the following land plots:
- Country non-profit partnership - Earth for growing agricultural cultures and buildings of the country house.
- Garden non-profit partnership is intended for the construction of economic buildings and garden houses or cultivation of agricultural crops.
For these types of land, construction permit is not issued.
Thus, on the means of family capital to buy a section of the DNP or SNT is impossible.
Build the house is allowed on sites with the following uses:
- Individual housing construction - it is appointed for the construction of a residential building.
- Personal subsidiary farming is intended for H / C, and the construction of a residential building.
Mortgage for Maternity Capital
Certificate money is not prohibited by law paying mortgage loans. Moreover, the loan is possible to get even before the birth of the second child in the family. At the same time, the spouse can serve as a coacher or loan guarantor.
To repay the fines, commissions, penalties and other sanctions on loans are categorically prohibited.
Most existing banking programs provide their customers with their customers to receive a target loan using certificate funds. It is possible to pay off both interest and main debt or commit the first installment.
Mortgage Mortgage Maternity Capital
If the housing loan in the family has already been issued, before the emergence of the second (third) child, the parents have the opportunity to use a part of the maternal benefit money for early giving the existing loan.
If finished housing is purchased, the borrower must place an apartment in his property. At the same time, on the certificate of ownership of the Roseestre puts a mark that the apartment is pledged. In the bank you need to take a certificate of debt.
After repaying the total amount of the loan and the signing of the necessary documents with the bank, the apartment will be removed from the encumbrance, after which the property owner will be able to arrange it in the property of other family members.
Initial contribution to the mortgage due to capital mat
Previously, it was permissible to use MK on the first contribution of the mortgage only after the occurrence of the three-year of birth / adoption of the child. Then it became allowed to translate money into the first contribution of mortgage transactions before the onset of 3 years.
Documents for Mortgage
Documents for issuing a loan that are provided to the Bank:
- questionnaire in the form of the bank;
- the passport of the borrower and copies of all his pages;
- copy Inn;
- copy reduss;
- marriage / divorce certificate;
- children's birth document;
- copy of military ticket for men;
- copy of the employment record;
- certificate of income;
- copies of existing loan agreements;
- account statements in banks.
Each Bank places individual requirements for borrowers, so this list can be complemented by other documents.
How to share the maternity capital when divorced
According to the laws of the Family Code, a joint property and cash payments, except for payments of public benefits, are subject to the division of property between spouses.
The maternity capital is considered a state benefit and cannot be divided into a divorce. When divorced, the maternal certificate remains on whose name it is initially decorated. The document may be decorated both in the name of the mother and the name of the Father in certain cases.
The rights to the parent's allowance are not stopped and do not change when divorced. Even if the family marriage ceased legal force, the certificate holder continues to have a reason to take advantage of maternal capital.
In the case when accommodation was purchased on the parent's allowance, after a divorce, his owners will be a mother and a child.
In some situations, a woman can lose the right to the maternal certificate, and the father of children on the contrary, to acquire such a basis. For instance:
- woman acted illegally towards her child;
- mother died;
- woman deprived parental rights.
Last updated 06/30/2017
Calculated initially for the ten years, from 01/01/2007 to 12/31/2016, the Maternal Capital program has become a significant help to maintain decent living conditions for Russian families with children. Hope to her, as a long-term program, which should provoke a demographic explosion, was justified to a large extent.
In 2015, in Russia, it was already scheduled for 3 times the natural population growth, the main role in the achievement of which was given to the maternal family capital.
Will maternity capital extend in 2017?
It would be an incorrect step by the government, albeit in the context of the proceeding economic and political crisis, refuse to extend the program until the end of 2018. For 2 years, initiated by the President of Russia on December 15, 2015. Extending it, the country's leadership hopes to preserve demographic growth and support the living standards of families with children.
Without waiting for (in the old edition of the law, 256-FZ - until December 31, 2016), they extended it until December 31, 2018, inclusive, according to 433-FZ.
Date 12/31/2018, as well as earlier, does not limit the time of appeal to the amount of payment, and concerns only the time of the first or next child in the family.
To contact the certificate itself, as before, it will be possible at any convenient time before or after 12/31/2018. Restrictions on the use of capital funds in no way regulates.
Accurate amount of maternal capital for the second child in 2017
Initially, the amount of maternal capital in 2007 was 250 thousand rubles. Annual compulsory indexation allowed 2015 to increase it to 453,023 rubles on the second and third child.
However, due to the huge deficit of budget funds by the end of 2015, there was no possibility to index the family capital in 2016 and the size remained the same - 453 023 rubles.
Concerning forecasts for 2017 and 2018then the government is already undergoing discussions of future indexations, respectively, by 6% and 5.1%. If this position will be submitted, the size of the maternal capital will be: in 2017 - 480,000 rubles., In 2018 - 505,000 rubles.
Update from 09/30/2016.
Mintrost Maxim Topilin Chapter said that the government decided not to index the maternal capital in 2017 and leave it at the 2015 level.
At the same time, Olga Holodets, stated to journalists that officials approved the indexation of almost all social benefits and in the matter with maternal capital, the point is not yet delivered.
Will the indexation of maternal capital
Now it is too early to talk about the guarantees of these indexations due to the complex situation in the economic sphere, however, you can not doubt that all the possibilities for this will be exquisied. The termination of the program for the previously planned term (December 31, 2016) would save the funds of the budget by more than $ 10,000 rubles per year. And if the government went to such unforeseen spending, then the probability of indexation, especially the more doubt.
Update from 10/20/2016.
The government approved the draft law according to which the annual indexation of maternal capital is canceled until 2020.
Maternal capital will no longer index, its size will not change until 2020, the exact amount is 453,026 rubles.
Update from 02.11.2016.
The public opinion fund (FOM) conducted a survey of citizens, where they asked: whether they approve the decision of the government to refuse to index the maternal capital. 68% of citizens consider it wrong, 16% approve the decision and another 16% found it difficult to answer.
Update from 06/29/2017
The head of the government, Dmitry Medvedev, at the next meeting, stated that the maternity capital would be indexed from January 1, 2020.
Some statistics
The MSK program is a socially significant lever and an important help for families. And although the use of funds is often associated with restrictions, especially for low-income groups, a significant number of families have already ordered funds or plans to implement it in the near future.
As of January 1, 2016, according to official data, about 6.5 million families received a cherished document in the form of a certificate. According to forecasts, thanks to the extension of its action, by the end of 2018, the number of certificate issued will reach 8 million copies..
Update from 05/10/17
According to the results of the meeting of the Commission on the Control of the Establishment Program of the United Russia party, it was decided to return to the question of the indexation of the Matkapalo.
The Deputy Secretary of the Soviet Council of United Russia, Olga Batlin, reported to journalists:
"The question of the possible further indexation of maternal capital will be further discussed, based on the financial capabilities of the budget.
"However, understanding that this is one of the social guarantees, which is provided for in the federal budget and implies an indexation due to the growth of inflation, it was also decided to work further than this issue"
She also noticed that the Ministry of Finance of the Russian Federation was not supported by the Ministry of Finance of the Russian Federation.
Fresh changes
Currently, another one and four were added to the three main areas of use of MSCs from the beginning of 2016.
- Improving housing is the most popular area that includes the purchase of new housing and the reconstruction of the old one.
- Educational services for any child family.
- Attachment of the MK to the Mother's Cumulative Pension - the most unpopular direction
- Adaptation and public integration of children with disabilities - new direction, has been operating since 2016.
About the last talk more. Family families have – Disabled, from 01/01/2016 the right to compensate for spending in whole or in part, to acquire various services and goods for rehabilitation, through the means of maternal capital. The list of these goods was approved by the order of the government No. 831-P, which contains a wide range of items - baths, bicycles, computers, special games, fixtures, readers, telephone sets, etc. Total - 48 items. To compensate for the expenses of the family prior to the provision of documents in the PF, it is necessary to visit 3 instances for preliminary documentary approval: the health authority, ITU and the Social Security Department.
It is important that in this direction you can use the means not only on the native, but also on the adopted, first or subsequent child - Disabled, at any time after his birth, giving the right to the certificate.
That the coming year?
The situation with maternal capital is not insured against changes and innovations, as well as everything else in our lives. It is now being worked out by several other areas of its use that will be carried out for discussion.
- Regular monthly payments to low-income families;
- Buying a vehicle at the expense of MK;
- Acquisition of land;
- The ability to repair housing or summing up communications to it.
The bills associated with, appear regularly, but not all of them pass the approval of parliamentarians. Only time will tell whether the green light will be given some direction.
Changes in document feeding rules
The package of documents in 2017 remains the same:
- certificates of the birth of children;
- Reduss;
- passport.
Since almost all information is in electronic form, in the FIU, it is planned to simplify the procedure for collecting documents until the end of 2017 and to submit an application will only need to have a passport.
Monthly repayment of mortgage payments
On January 21, 2017, Minister of Minister of Minister of Russia at the XVI congress of the All-Russian Political Party "United Russia" suggested using maternity capital to pay monthly mortgage payments:
"In our opinion, to support families who are borrowers on mortgage loans, when one of the parents on child care leave, it is possible to provide a mechanism for paying maternal capital at the same time, and monthly to pay for payments on the mortgage."
Zammonde believes that in this way will be able to free the family from payments for a period while the woman is on leave to care for a child up to 3 years.
Use maternity capital to repay a loan
The State Duma introduced a new bill that proposes to improve the requirements for credit organizations. The result of innovations will be a reduction in the number of organizations, in front of which the borrower will be able to repay the debt with maternal capital.
Thus, it is proposed to exclude "gray" companies that issue funds under a loan agreement: consumer and credit cooperatives.
The State Duma plans to enter into a law an accurate list of organizations, to which the owner of the certificate can pay off debt.
Twenty-five percent of illegal cash cash transactions took place through microfinance organizations, so in 2015 the State Duma adopted amendments and disconnected from the program all MFIs. Such a measure did not seriously reduce cases of illegal use of funds, as fraudsters began to use other legal loopholes.
What does this threaten the certificate owner?
According to statistics, 90% of loans are issued by banks, half of them belong to Sberbank. The innovations will affect only small credit institutions and will not affect the mortgage market.
Spend maternity capital for child treatment
Commissioner for Human Rights in the Russian Federation Tatyana Moskalkov on the air OTR offered to add a new direction of the spending of maternal capital - the treatment of the child.
"I am in order for this maternity capital to expand to the same single mother, so that it can be used not only for education and housing, but also for the treatment of the child."
The term of maternal capital - 10 days
March 6, 2017 Prime Minister Dmitry Medvedev announced that on March 3 he signed a decree on reducing the timing of maternal capital transfer after approval of the application for up to 10 days. Earlier, according to the law, the payment was transferred to the bank to the bank for 1 month.
The term of issuing maternal capital is now 10 days after approval The timing of the payment of payments is established for all directions of spending - to repay the mortgage, buying housing and others.
Will maternity capital extended after 2018
Earlier in the government discussed the possibility of extending the program 5 years to 2023. On March 6, 2017, Mintrost nominated the initiative promised last year and worked out a new ruling.
"We will offer this to do for five years, we already went to the government with such proposals, just gave a number of instructions, we are now working further, we work out everything," Topilin said.
While it remains incomprehensible whether the size and categories of recipients will change on the updated program.