In this Act for additional state support for families with children are given clear deadlines and procedures for obtaining certificates and transferring funds, which are provided by the parent capital.The same document provides many options for use of funds, with a full ban on cashing the amount of sale and gift certificate to another person.What documents need to gather to receive maternity capital?
Use money "capital" maybe three years, as provided for occasions when you can use the facilities before.The upper time limit the use of funds contained in the mother's capital is not limited - you can use them if necessary, spending, such as education of the child.The entire amount of the parent capital, which remains unused during the period, in proportion to the inflation indexed automatically - it does not need to obtain a new certificate or to bring to the Russian Pension Fund of additional documents.
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content of the article:
- So the funds that make up the maternity capital can be spent for the following purposes:
- consider every option investment funds in more detail
- Possible solutions to pressing housing problem families:
- Educationfor maternity capital
- Variants of the parent capital on children's education:
- pay kindergarten school for maternity capital
- mum on pension funds of the parent capital
- payment of cash (15 thousand) of the parent capital
- Whatyou can not spend the money capital of the parent?
- use of funds provided by the parent capital, in special cases, the death of a child
- Termination of parental rights of the mother (mother's death)
- deprivation of parental rights of both parents (the death of both parents, the absence of the father in children)
Now, the funds that make up the maternity capital can be spent for the following purposes:
- acquisition, construction of dwellings , improve the housing situation of the family.
- Education All children or one child.
- Payment preschool (municipal, state kindergarten) school.
- accumulation pension for Mom.
- receiving cash lump sum payment 15 thousand .
consider every option investment funds in more detail
All solutions to housing issues at the expense of "maternal capital".
Since this option investment funds lucky holders of Certificates of the most popular, it is always considered a priority.
Possible solutions to pressing housing problem of young families:
- construction or purchase of houses, apartments , any premises.
- payment fee when you make a mortgage on the property, registration of the loan, the loan .
- pay principal, interest on the mortgage, loan, loan for the purchase, construction of dwellings.
- pay a share in the construction of shared .
- pay an entrance fee ( housing, building society).
- Payment of construction or reconstruction of individual housing (with contracting construction organizations, without contractors).
- pay compensation all the costs of construction or reconstruction home (the owner of the certificate).
important use of this option by investment funds "maternity capital» - property must be purchased or built in Russia .
order to properly arrange and collect the necessary documents when applying for the use of the amount of "capital" to solve the housing problem, it is necessary in the office of the Pension Fund to take a list of additional documents required, which depends on the chosen variant of the above.
Education in Maternal capital
In its request, the recipient of "maternal capital" can send money to pay for education of one child or all the children in the family.As in all other embodiments use "capital" can be used in parts, where necessary, is a time limit.
Variants of the parent capital on children's education:
- Education child, children in municipal, state educational institutions .
- Education child children in private educational institutions , which have state accreditation , license for educational services.
- Payment hostel from educational institutions in the training of the child.
Terms and conditions of the option investment funds' capital »- educational institution , which will study the child (ren) must be in Russia .
to be trained for cash from the "maternity capital», child should not be more than 25 years at the beginning of training .
To apply for services education for the child, the applicant must have additional documents :
- Treaty , concluded with an educational institution the provision of educational services .
- License the right to educational institutions to carry out educational activities.
- certificate of state accreditation of educational institutions.
When making an application for payment hostel from the educational institution for a child, additional documents are required :
- employment contract in the hostel premises (specify time limits for payment, amount).
- Certificate from educational institution , which confirms the fact that the child is living in a hostel.
pay kindergarten school for maternity capital
This use of funds provided by "maternity capital" was made possible in 2011.This type of investment money can be used when the child is three years old.The money comes to the accounts of the selected company, after submitting an application to the Pension Fund within two months.Pay bills for kindergarten Pension Fund will be regularly, according to the contract.If you change the value of maintenance for the child, or change the terms of payment, the applicant must be brought to the Pension Fund of a new application, which carried out to clarify the schedule of payments, and they will come at the expense of the institution of the new scheme, within two months after this statement.
important condition - preschool educational institutions or schools , which are paid by means of the "maternity capital" should definitely be in Russia .
to a typical package of documents on the disposal of cash "maternity capital" the applicant must attach additional documents:
- contract concluded with educational institutions , which specifies the obligations of the institutions to provide educational services to the child and its content, andthe timing and amount of payments for services.
mum on pension funds of the parent capital
Funds that provide "mother's capital" may be sent to the accumulation of pensions for the woman (so-called cumulative part of the pension).The application for such a choice of spending money can be submitted to the Department of the Russian Pension Fund, or, optionally, the non-state Russian Pension Fund (private management company).This decision was later a woman has the right to cancel if the deadline will apply to the appointment of her pension.
special documents for the funded part of pension mother, there is no need to file (only need to model the statement of the woman).
payment of cash (15 thousand) of the parent capital
Until 2010, the family had the opportunity twice to get out of the "maternity capital" cash amount twice (12 thousand rubles).Later, in 2011, the additional option of using money "capital" did not act.Consideration of amendments to the Law on payment of a cash sum of 10 thousand rubles from the funds "maternity capital" was to be held in autumn 2012, but it was postponed to 2013.It is currently expected the adoption of this decision.
on that you can not spend money the parent capital "?
- on training the child in educational institutions outside the territory of Russia.
- to hold the rest and travel.
- content on kid in private educational institutions;for babysitting.
- payment on car loan to buy a car (in some regions of Russia can buy a car made in Russia at the expense of regional "mother's capital", it is necessary to ask in the office of the pension fund in your area).
- «Maternity Capital" can not cash out and sell!
use of funds provided by the parent capital, in special cases
sometimes come in family life are special cases where you need further clarification of the rules of use of funds "maternity capital".
Maternal capital What to do if the child is dead?
Currently, parents of a baby who died, for whatever reason within the first week after birth, the registrar does not issue a certificate and a birth certificate, which gives them the right to receive the certificate of "capital" in the usual manner.If you die the first or second child, the family has a right to receive cash "maternity capital" on a general basis, and use them on the designated scheme - not earlier than three years from the date of birth of the second child.
Termination of parental rights of the mother (mother's death)
If the mother of the second child died, or she was deprived of the (court) of parental rights, the funds "maternity capital" has the right to dispose of his father.
deprivation of parental rights of both parents (the death of both parents, the absence of the father in children)
If the children have no father, and it is also deprived of parental rights, the amount of funds provided by "maternity capital", equally divided among all the children(minors).While the children are under 18 years, the funds "maternity capital" can be directed to pay for education, housing guardian of their children, but it can only do this with the support of his action in the bodies of trusteeship.