How to get a certificate for maternity capital and what is its validity period?

Family capital (MK) - material support, intended for families with two or more children. Financing of "remuneration" is made at the expense of federal funds. Such a program has been in operation since 2007.

Family capital will be given only to the holder of a special personal certificate, the term of which is not limited. Thus, the use of the certificate for maternity capital does not imply any timeframe.

The objectives of the project "Maternity Capital":

• Stimulation of demographic growth;
• Significant facilitation of the upbringing of the younger generation;
• Improvement of the material well-being of families with the possibility of paying for the purchased housing.

When does the right to receive a security arise?

Before you receive a certificate for maternity capital, or rather, claim to receive it, you should make sure that you have the right to do so. The right to receive this financial support comes into force after the family has acquired at least a second child.

Maternity capital: how to get a certificate?

As you already understood, in order to obtain federal financial support, a certificate is required first. The procedure for issuing it is more than transparent. After the birth of a crumb, the parents must register the baby in the registrar's offices within 30 days in order to obtain a birth certificate, complete the package of documents in the passport office at the place of actual residence or registration.

Issuance of the certificate for the maternity capital is carried out on the basis of the filing of the above documents and a special application form, as well as a passport to the territorial department of the Pension Fund of Russia (PFR), which can be contacted at any time after the birth of the child.

The documents for the certificate (maternity capital) are subject to a thorough check by employees of the Pension Fund (maximum 30 days after their submission by the applicant). And only after this check is issued a certified document.

Ways of registration of a security

• In the Pension Fund;
• Using the services of postal service (in this case, the application and all necessary documents must be notarized).

Required package of documents

Registration of the certificate for the maternity capital takes place by applying to the Pension Fund if the following documents are available:

1. Application for a certificate for maternity capital. The form of the application is established by the state The form can be obtained from the Pension Fund directly upon issuing the certificate and filling it in place or download the application via the Internet and compile it at home.

2. A document identifying the applicant (usually a new mother's passport) and proving the existence of a residence permit in the territory of Russia.

3. Document proving the existence of mandatory pension insurance.

4. Documents confirming Russian citizenship.

5. Birth certificate of the baby or the decision of the judicial authorities on the adoption of children.

Before you receive a certificate for maternity capital, you must decide what you will spend non-cash funds, because in the application that is submitted to the FIU, this information will need to be specified. And if this is done rashly, to indicate the wrong figures, then the request for a request for disposition of the funds of the parent capital will not be approved.

Who can expect to receive MK?

A Russian citizen and a foreigner residing in Russia have the right to maternity capital. How to get a certificate, we have already considered, now let's determine who and in what specific cases can act as subjects of the action of the program "Mother Capital".

• A female person who is a Russian citizen who gave birth or became the adoptive mother of the second, third, fourth, fifth, etc. child after 01.01.2007;
• A person of a male with Russian citizenship who acts as the sole adoptive parent of the second and subsequent children, if the relevant court decision entered into legal effect from 01.01.2007;
• The father of the child (native or adoptive) with or without Russian citizenship, in the case of termination of the right to state financial support for the woman who gave birth to the (adopted child), as a result of, say, death, deprivation of the rights to the child, after the birth of which such right It arose, the commission of criminal acts, the object of which was the child;
• A child who has not reached the age of majority, or a full-time student whose age does not exceed 23 years, in the event of the cancellation of the right to additional federal financial assistance to the father (adoptive parent) or the mother (the adopter) who were the only parents.

Terms of issue

The receipt of a certificate for maternity capital is possible only if a number of requirements are fulfilled:

• The number of children in the family is two or more;
• There are no facts on the use of rights to additional benefits and actions with the aim of improving living conditions, receiving educational services, raising the retirement age;
• The presence of the Russian citizenship in the mother and the born child is mandatory;
• The child's parents do not have criminal convictions for crimes against children;
• The presence of parental rights to their children - mandatory;
• The age of the child at the time of applying to the territorial branch of the FIU - at least a week after the birth.

Currently, a certificate for maternity capital is issued on the territory of the Russian Federation, a sample of which is presented below.

The reasons, in the presence of which the issuance of a certified document will be refused

• The discrepancy between the information given in the application, the reality.
• There is a fact of restriction in parental rights by the applicant for the first child.
• An attempt to obtain maternity capital for the second time.
• Termination of the period of the rights of the applicant for family capital (or their complete absence) as an additional measure of material support from the state.

If the FIU authorities decided not to satisfy the application for issuance of MC, do not give up - you need to fight. There are cases when the right to have a state certificate for maternity capital was proved through the prosecutor's office. Each case is individual, each application is considered privately, so when you are refused for the first time, find out the reason and file an application and all the related documents repeatedly, and if you are denied again, contact the highest authorities and justice.

Payouts: time dynamics

From year to year, the amount of family capital is subject to change.

It is indexed depending on the economic situation in the country and the level of inflation.

Consider the level of indexation and the amount of family capital by years, starting from the year of introduction of the program.

Dynamics of changes in the size of MC by year
Period	Indexing level	MK size
2007	-	250.0 thousand rubles.
2008 year	10.5%	276,250 thousand rubles.
year 2009	13.0%	312,162 thousand rubles.
2010 year	10.0%	343,378 thousand rubles.
2011	6.5%	365,698 thousand rubles.
year 2012	6.0%	387,640 thousand rubles.
year 2013	5.5%	408,960 thousand rubles.
year 2014	5.0%	429,408 thousand rubles.
2015	5.0%	450,878 thousand rubles.

How to use

Maternal capital as state support is protected by law, in accordance with which the mechanism of using financial aid is implemented. The goal that drives this mechanism is the exclusion of the possibility of monetary fraud, fraud and exploitation of children from mercenary motives, as well as increasing the efficiency of using MC funds. Proceeding from the legislative act, if the certificate for the parent (family) capital is received, it should be used after a period of three years. However, in 2009, taking into account the crisis situation in the country's economic sphere, the state provided the opportunity to use the MC to repay the loan obligations on the mortgage immediately after the certificate was issued.

The law provides for several areas where you can spend non-cash certificate funds.

1. Improvement of living conditions. It is understood that family capital can be spent on the purchase of housing or its construction.

This includes making money to repay loan obligations under a mortgage program or a cash loan for the purchase of housing, and participation in housing construction co-operatives. In this case, the following conditions must be observed:

- Purchased housing, or housing, which is under construction, should be located within the Russian state;

- A mortgage loan must be issued not to one of the spouses, but to both.

Cashless state assistance is allowed to be paid as an initial payment for a mortgage loan, for repayment of credit obligations, or as additional money for the purchase of housing. Where the money will go is up to you. If you have already bought a house, and it is an object of mortgage lending, the possibility of making a MK as a contribution is subject to consideration by a bank institution exclusively on an individual basis. There may be some problems.

2. Payment of educational services for one or several children. Maternity capital can act as a guarantor of education.

At the same time, one person and all children in the family have the opportunity to become a certified specialist.

Requirements to be observed:

- the educational institution must be located within the country;

- the educational institution should have an appropriate level of accreditation;

- the age category of the entrant should not belong to the group "25+".

A certificate for educational purposes can be used at any time when such a need arises.

As for the educational institution, the choice is wide enough:

• High school;
• technical College;
• Gymnasium;
• School establishment;
• college;
• Children's preschool.

Documents for the certificate (maternity capital), if the targeted use of financial assistance is to receive educational services, the following are needed:

• A statement of the financial assistance in writing;
• Certificate for MK;
• A document evidencing the existence of mandatory pension insurance from the person holding the certificate;
• Certified photocopy of the contract for the provision of educational services by one or another educational institution on a paid basis;
• A contract for hiring a living space in a hostel with the identification of monthly payments and the total cost of living for the entire period of study and the timing of payment;
• A document certifying the student's real residence in the dormitory of the educational institution (certificate);
• Contract for the maintenance of the baby in the preschool (when paying for the maintenance of crumbs in the kindergarten).

3. Increase in the accumulative part of pension payments for mothers. Means MK can be involved as a contributory component of a pension for females. In this case, the funds are subject to placement in the pension fund.

For example, if you want to spend MC for training and mortgage payment in the same ratio, the total amount of state aid is divided into two and transferred by the Pension Fund in accordance with the details specified in the application. When money resources of the state help have already been spent in full, the FIU undertakes to notify the holder of the certificate of termination of the right to state support.

In the case when as the way of using family capital is the creation of a cumulative part of the maternity labor pension benefits, the package of papers should contain:

• A statement-order, which will contain information on the main directions of spending MC funds;
• A document certifying the right to state financial assistance - a certificate;
• Documents identifying the identity and confirming the residence of the owner of the certified document.

In order to be able to use money and determine them in the chosen areas, you should again contact the FIU and file an application for the disposal of the MC.

How to cash out a maternity capital certificate or sell it?

It is impossible to cash out and sell maternity capital. This is prohibited at the legislative level, strictly speaking, as well as issuing MCs in cash. Despite this, it is increasingly possible to meet the announcement of the acquisition of family capital. What does this mean? This means that it is planned to conduct a fictitious transaction with the purchase of real estate, in which one of the parties to the agreement is a relative or friend of the family.

Such acts are classified as fraud and involve the participants in the sales contract being held accountable.

Recently, there are cases when family capital is used to pay off mortgage lending through intermediaries. Should beware if they offer a suspiciously low interest rate and the minimum maturity of the MC.

In 2009, the option of cashing in cash still appeared. But before the certificate (maternity capital) was cashed, it was necessary to await the entry into force of the amendment, which was introduced into the law due to the crisis situation in the country. In accordance with the innovation, all holders of the certificate could count on a one-off payment from federal aid in the amount of 12,000 rubles in cash. But this is an exceptional case.

The principle of non-cash settlement combines two types of state aid, which is intended for mothers - one of the types of such assistance is maternity capital. The generic certificate is considered the second type of federal support, it is also not subject to cashing and resale.

Temporary limit of the program for supporting large families

The "Family Capital" program has been operating in Russia since 2007. Throughout its existence, the project systematically introduced amendments, adjustments and additions. Initially, it was assumed that the program will function until 31.12. 2016 Governmental authorities of the Russian Federation have repeatedly stated their intention to extend it until 2025 due to the effectiveness of the operation. But at the moment the program expires on December 31, 2016, that is, the receipt of a certificate for maternity capital is possible with those families whose replenishment took place before 01/01/2017.

What changes have the program in 2015?

In 2015, a number of amendments and additions were made to the program for the use of family capital, in accordance with which:

• A certain part of targeted assistance to families in which 3 or more children is available for cashing;
• During a period of economic instability, mothers who are entitled to MK may receive 20,000 rubles in cash;
• The applicant's participation in microfinance organizations is prohibited;
• The conditions under which a participant in a credit cooperative can rely on receiving targeted financial assistance are toughened.

Frequently asked Questions

• How to get a certificate for maternity capital, if there is one child in the family?

Only families with two or more children have the right to receive a security. Therefore, if there is one child in the family, state financial assistance is not relied upon.

• How to get a certificate for maternity capital to an alien?

In order for a foreigner to be eligible for the MK, a passport of a foreign citizen and a residence permit, a birth certificate of the child or another document confirming the child's Russian citizenship must be submitted to the Pension Fund.

• Are there any ways how to issue a certificate (maternity capital), if the conditions under which the right to receive MK are not observed are not observed?

No. If you do not comply with the basic requirements for issuing a certificate for the MC, then it can not be received. The FIU authorities will refuse to satisfy the application.

• Resident in a rural area applicant for maternity capital where to get a certificate?

Registration and issuance of certificates MC is engaged in the Pension Fund. You should contact the nearest regional branch of the FIU.

• What should I do if the certificate is lost?

The loss of a certificate for MK does not mean the termination of the right to receive state aid. It is necessary to apply to the department of the Pension Fund at the place of residence and get a duplicate of the document.

• The validity of the family capital and the "validity" period of the certificate for receiving the MK are the same or not?

No, these concepts are different. The term of the maternity capital is the term of the federal project "Maternity Capital", which currently corresponds to 2007-2016. The term of validity of the certificate for MK is unlimited - everyone can receive state assistance, regardless of how many days, months or years have passed since the birth of the baby. Predetermined only the time period when the second and subsequent child is to be born or the adoption procedure is carried out.

• How to apply for the right to maternity capital (where to get a certificate and how to do it), if I temporarily stay abroad?

You can obtain a certificate for MK after you return to your motherland, the main thing is for the child to be born or adopted during the functioning of the "Mother Capital" program. But you can register and receive it only on the territory of the Russian Federation in the FIU department at the place of residence or registration.

• When is it necessary to file an application for the disposal of additional funds provided for by the Maternity Capital project?

The application, which specifies the directions for spending the maternity capital, is submitted to the bodies of the territorial branch of the Pension Fund after the child is 3 years old (or from the adoption day will be a three-year term).

• Is it possible to spend maternity capital on several goals at the same time?

Yes, you can. The rules for the use of family capital imply that it is spent as one of the target areas (housing, study or pension) in full, and partly on each of them. Where the funds will be spent and in what proportion of the ratio depends solely on the holder of the certificate.

• If the funds on the parent capital are used to purchase housing, when the seller receives the money?

Money as payment is transferred to the seller by the Pension Fund within two months after submission of the corresponding application in which directions of embezzlement of capital assets are specified.