Maternity capital is a unique product that has no analogues in world practice. This state plan began in 2007. And it is financial assistance for those who have second and subsequent children in their family after 2007.
Indexation led to the fact that the original amount of assistance doubled. Now the benefit amount reaches 453 thousand rubles. This money is not received in cash. But there is an opportunity to spend them on solving pressing problems related to training or living in appropriate conditions.
About the conditions for obtaining a certificate
What is mat capital?
The main requirement remains the birth of a second child after 2007.
There are the following facts, without which it is not recommended to start registration.
- Capital is issued only once per family.
- Money can only be spent on certain purposes established in advance by the state.
- Only genuine certificates in the established format can confirm the very right to receive assistance.
- It is possible to apply criminal penalties for those who try to cash out funds or use them for other purposes.
- There are no restrictions on the period of use of certificates.
- The products can be used no earlier than the child reaches the age of three years.
- Russian citizenship remains a prerequisite for receiving assistance.
Anyone who has a second child in their family has the right to help. Even the fact of adoption does not cancel this right. Most often, certificates are issued to mothers. If the father has become the only parent or adoptive parent, then he can count on government subsidies.
Expert opinion
Elena Fink
Legal expert on benefits.
Legal consultation
This right may cease for both the father and the mother due to certain circumstances, and then this type of state subsidy can be issued to a child from this family or children in equal shares, up to 23 years of age. With the condition that until this age he (they) will be full-time students in educational institutions of any form and the education received will not be considered additional education.
The Pension Fund is the government body that deals with this issue. The same structure monitors how funds are used.
Certificates can be issued remotely if it is not possible to personally visit the PF office. Collecting documents and the registration procedure itself is not particularly difficult. This is confirmed by those who have already dealt with the issue.
It is not necessary to apply to the Pension Fund immediately after the child is born. And after a few years, no one will stop you from registering the funds. Nobody forces you to use funds right away.
Benefits can be not only federal, but also regional.
What documents are required for registration of mat capital?
Advice from lawyers:
1. Write, please, what documents are needed to formalize the regional mat. capital?
1.1. An application for a certificate is submitted on the prescribed form. Attach the following documents (if applying in person, submit in originals, copies are taken by an employee of the Social Security Administration): the applicant’s passport; birth certificates or adoption documents for all children, as well as papers confirming their Russian citizenship; if the father, adoptive parent, legal representatives of the children apply for a certificate - documents confirming that they have the right to this (for example, a mother’s death certificate or a certificate of her incapacity, a court decision on deprivation of parental rights); if among the children there is one who has overcome the 18-year mark, but has not reached the age of 23 and is studying full-time - a certificate of education.
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2. What documents are needed to register the mat. capital and where to apply!?
2.1. Contact the pension fund, providing documents confirming what you want to spend the mat capital on.
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3. What documents must be required to register the mat. capital?
3.1. Passport, SNILS, birth certificates of children. The documents are submitted to the local Pension Fund office.
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4. We bought a house for mat capital with an additional payment. When paying, what documents must we present to register ownership of the house?
4.1. Good afternoon An extract from the Unified State Register of Real Estate on the registration of ownership of a residential building is a document confirming the rights. If by payment you mean a mortgage, then after paying off the debt, Rosreestr must remove the record of the mortgage. Best wishes!
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5. The situation is this: my sister bought a house with mat capital, she lives in another house, she wants to register the purchased house as a gift to a relative, what documents are needed to register the house, thank you.
5.1. You won't be able to donate a house. If a house is purchased with maternity capital, it must be registered in the name of all members of your sister’s family (husband, wife, children), even if not in equal shares. Subsequently, the alienation transaction will go through guardianship, guardianship will not allow the children to be given shares, it will be necessary to purchase housing in return. If at the moment the house is registered only in the name of your sister and you plan to bypass this entire procedure, this risks the fact that if everything turns out to be clear, you will lose your maternity capital (the sister will be required to return the money received)
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6. My daughter wants to buy an apartment under the name of her mother, i.e. My brother has mat capital on me. Will they give her mat capital and what documents do I need to complete the purchase?
6.1. Hello, but the mother cannot register shares in maternity capital, so she will not give consent to the guardianship.
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7. My niece and I are the owners of 1/2 of the apartment. I want to buy her share from her for mat capital, for 400 rubles. without the participation of banks (loans, mortgages). Question: what documents do I need to bring to the notary for registration? Is it possible to draw up and print a sales contract yourself?
7.1. The list of documents for purchase and sale is obtained from the notary. (it is not clear from your question whether there are registered persons who refused to participate in privatization and retain the right to lifelong use, whether the niece is married, how she received the share, etc.). The agreement is drawn up only by a notary, which ensures the completeness of the content from the point of view of current legislation. Before visiting a notary, it is necessary to request an extract of a financial personal account about all persons registered at a given address, owners. Request an extract from the Unified State Register for your apartment through the MFC, documents for the apartment, passports, marriage certificate, birth certificate of children (child).
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8. What documents are needed to formalize an agreement on the allocation of shares under the mat. capital. The mortgage was paid off and the encumbrance was removed.
8.1. Birth certificates for children will be required.
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9. Deprived of rights to her first child. There is a second one. The third one will be born soon. What documents will be needed to register mat capital? They said that they needed documents on deprivation for the first one.
9.1. Hello! Yes, the court decision will need to be submitted to the Pension Fund along with the birth certificates of all children and your passport.
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10. I have my first child from my first marriage, and in September of this year my second child was born from another marriage. Tell me I have the right to swear. capital? And what documents are needed for registration?
10.1. To issue a checkmate. capital, you must contact the Pension Fund of the Russian Federation at your place of residence with a corresponding application, to which are attached: a copy of your passport and TIN, birth certificates of children, marriage certificate if you are married.
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11. What do you need and where to get postpartum? And what documents do you need to collect to apply for benefits for up to 1.5 years, and mat capital?
11.1. You can contact the Pension Fund or the MFC, you must provide the following documents: passport, SNILS, child’s birth certificate, certificate of income of one of the parents (if income is less than the subsistence level), a one-time payment for the birth of the first child to needy families is provided - 10,523 rubles. and maternity capital for the birth of a second child.
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12. Please follow the procedure for registration of purchase and sale through the mat. capital + cash. I give a deposit of 60 thousand rubles, then we conclude the sale and purchase with a notary. When will the second part of the money be transferred? And what documents are needed to translate the mat. capital to the seller?
12.1. Hello! First, enter into a purchase and sale agreement, which will indicate how much money you are transferring in cash and how much through capital funds. After that, you can only transfer cash. Make a receipt. Then you need to contact Rosreestr to register the transfer of rights. Next, you need to write an application to the branch of the Russian Pension Fund at your place of residence about the transfer of maternity capital funds. The application must be accompanied by: a copy of the passport of the person who received the certificate, a copy of the purchase and sale agreement, an extract from the Unified State Register of Rights to Housing, if housing is purchased in installments, then a certificate from the person alienating the housing about the amount of the unpaid amount under the contract. Bring original documents with you. The application is reviewed by the pension fund within 1 month, the money is transferred within 10 days. You can read more about the entire procedure in the Rules for allocating maternity capital funds to improve housing conditions.
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13. Please tell me what documents are needed to purchase real estate for obscenities. capital, and how to register them in another region. What documents do you need to take with you from our region to complete the transaction? Thank you.
13.1. Hello, you first need to conclude a preliminary purchase and sale agreement there, respectively. Take the documents on the ownership of the apartment as well as a certificate of everything registered and with these documents apply to the Pension Fund at your place of residence for approval of this transaction, and then only conclude the final purchase and sale agreement .
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13.2. Hello. Turn, you should contact the Pension Fund and obtain permission to use maternity capital funds.
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13.3. Hello! The buyer needs documents: birth certificates of children, a certificate for MSK, a certificate of the balance of MSK funds, a passport. A purchase and sale agreement is concluded if the child is already three years old (for which the certificate was issued).
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13.4. Good day to you. In this situation, you need to contact the Pension Fund and obtain permission to use mat capital funds. Good luck with your survey.
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14. We want to sell a share in the house for 350,000 mat capital to relatives who also have shares there and have owned the house for more than 5 years. What documents are needed for registration and how much tax do we need to pay.
14.1. Good afternoon To sell, you only need property documents. In fact, an extract from the Unified State Register is suitable; if you have a share in the property for more than 5 years, then you do not need to pay tax. So that your relative can buy it for obscenities. capital. They need the entire house to become their property. Those. so that the remaining shares belong to the relative and his family members.
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14.2. Hello, your children should have shares in this house, so you can sell them only with the consent of the guardianship and trusteeship authorities. Since a transaction with shares is subject to notarization. You will not have to pay tax, since you can take advantage of a property tax deduction in the amount of 1 million rubles. Good luck and all the best.
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14.3. Good day! There is no need to pay TAX. Documents required for ownership of the house and land. Good luck to YOU! Always happy to help.
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15. What documents are needed to formalize an agreement to allocate shares to children after purchasing real estate for mat. capital.
15.1. Hello. You will need to provide all title documents for the apartment, as well as passports and birth certificates of children.
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15.2. Good afternoon It is necessary to present identification documents to Rosreestr, as well as the agreement on the allocation of shares.
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16. The question is: we bought a house at the end of 2020 for a mat. capital. Activated (for a number of reasons) a month ahead of schedule (through a deputy, real estate agency services). The cadastral value of the house is 600 tr. We bought a house only for swearing. capital, and even with swearing. capital, money was spent on all registrations, debts of former owners, etc. I want to know if we can get (in our situation) a 13% REFUND and what documents need to be collected for this?
16.1. Hello Igor. It is impossible to make a return of 13% from maternity capital, since the law prohibits this state assistance and receiving a tax deduction from it.
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16.2. Hello! No, you cannot receive a property tax deduction, since the deduction is not provided from maternity capital funds.
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17. What documents are needed to formalize the redemption of 1/4 of the apartment’s share, if 3/4 is mine, for mat capital? And where can you find such a notary in Simferopol?
17.1. Hello! Contact any notary in Simferopol. Any notary will be able to formalize this transaction, draw up an agreement for you, etc.
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18. What is the procedure for registering a child at the registry office and other institutions to receive a mat. capital. What documents are required?
18.1. Contact the PF in person.
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19. 1/2 share of a 3-room apartment. The man took out a mortgage and maternity capital, the cost of the apartment was 900,000 rubles. That is, mat. capital the rest is mortgage. The buyer owns 1/2 of this apartment. The second part belongs to a minor, an apartment with debts. Where should you go so that the owner of the first part can sell the apartment in full, what documents are needed to complete the transaction. Under what conditions will the deal be approved?
19.1. Good day If the seller has a mortgage on the apartment and mat. capital - you need to contact the Bank (which gave the mortgage) and the Pension Fund of the Russian Federation (which issued the financial capital). Good luck.
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20. What documents are needed to register regional mat capital.
20.1. Passport A document certifying the citizenship of the Russian Federation of a child, with whose birth the right to receive maternity capital arose; Birth (adoption) certificates of all children, including the child whose birth gave rise to the right to receive regional maternity capital; Certificate (certificates) of marriage (divorce) of the applicant - in case of marriage (divorce) In case of the right to receive maternity capital from the father (adopter): - death certificate of the woman who gave birth (adopted) children, or a court decision to deprive her of parental rights; In the event that a child (children) has the right: - death certificates of parents (adoptive parents) or only parent (adoptive parent), or a court decision to deprive parents of parental rights; If a legal representative applies, the following documents are additionally submitted: passport or other document identifying the identity and place of residence of the legal representative; documents confirming the authority of the legal representative to act on behalf of the applicant; The applicant submits the necessary documents in copies with the presentation of originals for verification, or in copies certified by a notary. Documents for this service are accepted at the MFC.
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20.2. Documents for issuing a certificate for regional maternity capital in Murmansk To apply for a subsidy, you need to prepare: Russian passport of the mother (father); application in the prescribed form; birth/adoption certificates; certificates explaining the absence of parents, a court decision on adoption; certificates indicating permanent residence in the region. Documents for obtaining regional maternity (family) capital in Murmansk are submitted to the regional social services departments. protection.
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My oldest child is 20 years old, my youngest is 3 years old. What documents are needed for registration?
I want to buy an apartment for cash + swearing. Capital. Husband is a foreigner (Bulgarian)
We want to buy a room in a communal apartment, mat. capital with the addition of own funds.
What documents are needed to register an apartment in a new building, with a mortgage using mat capital, 3 children.
Can I buy an apartment with mat capital from my mother-in-law, she is the owner of privatized housing.
My name is Eduard, I want to legally sell my own plot,
1. What documents are needed from the seller of a house and land when the buyer registers maternity capital for the purchase of this house and land?
What document does an unmarried woman provide instead of a marriage certificate for registration of matrimony? capital?
What documents are needed to register the mat. capital? The first child was born in 2006, the second in 2008, the third in 2013. All were born in Sevastopol, Crimea. Thank you.
We want to purchase a plot from the state. land deed and a house built from funds
What documents need to be provided to formalize the obligation under the mat. capital. Will the apartment be purchased in a building under construction (housing cooperative)?
Procedure for registration
For which child is mat capital issued?
The sequence of actions after the birth of the second child will look like this:
- We contact the registry office to issue a birth certificate for the child.
- The citizenship of a child is an issue that should be dealt with by one of the local branches of the FMS.
- Next, proceed to the application itself to obtain a certificate. All that remains is to collect all the documents and visit one of the branches of the Pension Fund.
- You need to wait a maximum of a month for a decision.
- A certificate is issued if a positive decision is made on a particular issue.
We collect and prepare documents
What is the algorithm of actions for obtaining mat capital?
Pension Fund employees keep documents for several weeks. Therefore, an advisable solution would be to create copies.
As for the list of papers itself, it will be standard for all departments.
- Pension certificate, if available.
- A document confirming the fact of adoption.
- Information about registration in case of missing registration information.
- A document describing the citizenship of the minor.
- Documents for all other children, including the second child.
- Passport from the applicant.
Documents are transmitted in person, via the Internet, or by mail, with the help of representatives.
Submitting an application to the Pension Fund
What are the registration rules?
Documents must be accompanied by an application drawn up in a special form. Standard forms can be easily found in the branches themselves, or printed from the official website.
Or find it on other specialized projects.
If at least one mistake is made in the application, it will have to be rewritten.
The following details are required:
- Contact details.
- Status and place of birth along with full name.
- Information about registration or place of permanent residence.
- Data from pension certificates.
- Passport details.
Latest news
On January 15, 2020, in his Address to the Federal Assembly, President Vladimir Putin took the initiative to extend maternity capital until December 31, 2026. In addition, the president proposed issuing maternity capital for the birth of the first child.
Maternity capital for the first child will be available to the families in which he was born, starting from January 1, 2020. The certificate funds, in this case, will be paid in their current volume: after indexation for 2020, this is 466,617 rubles.
Fragment of the transcript from the official Kremlin website
The President also proposed increasing the amount of maternity capital by 150 thousand rubles. The family will become entitled to additional funds after the birth of their second child. In this case, the total amount of maternity capital for a family with two children will be equal to 616,617 rubles.
In the future, this amount will be indexed annually. At the same time, as Vladimir Putin said, if a family already has one child, then at the birth of the second, maternity capital should be provided in an increased amount.
Fragment of the transcript from the President's speech
At the moment, the maternity capital program is valid until December 31, 2021. When
the program will be extended
, then families in which the child is born or adopted will be able to count on the certificate
until December 31, 2026
. At the same time, it will be possible to receive a certificate and manage its funds even after the program ends.
Two bills concerning the state maternity capital program are currently under consideration in the State Duma:
- No. 846971-7 - if accepted, the funds from the certificate can be spent on building a residential building on a garden plot;
- No. 839769-7 - the bill will allow the use of maternal capital to pay for a kindergarten organized by an individual entrepreneur.
Later, Vladimir Putin also instructed the Government of the Russian Federation to consider the possibility of installing gas, water supply and sewerage systems at the expense of capital. In addition, the President of the Russian Federation supported the initiative to use certificate funds for operations. However, no bills proposing these changes have yet been introduced into the State Duma.
The following proposals to change the conditions of the maternity capital program are also being considered: The Ministry of Construction has prepared changes to the law on maternity capital, which will allow it to be used to purchase housing through escrow accounts.
More on the topic Maternity capital in Astrakhan and the Astrakhan region in 2020
On May 29, 2020, during the report “Demography 2024. How to ensure sustainable natural population growth in the Russian Federation,” a proposal was made to introduce paternal capital in Russia. However, the head of the Ministry of Labor Maxim Topilin noted in this regard that he does not understand the idea and logic of the authors of this initiative.
We are waiting for a decision, we receive a certificate
If all documents are in order, we receive a certificate
It takes a maximum of a month to review any applications. If the decision is positive, the applicant is informed about this no later than five days later.
They are informed that the documents have been accepted and reviewed.
The accuracy of the information provided by the applicant must be verified within exactly four weeks.
Pension Fund employees check whether there are any circumstances that prevent the receipt of certificates.
Several events are taking place:
- Verifying the authenticity of the information provided.
- Experts are finding out whether any restrictions or penalties have been imposed for violations of the rights and interests of the child.
- The issue of deprivation of parental rights, if any, is being studied separately.
If the decision is positive, then the parent can receive a certificate in the prescribed form. And use the assets for three years after birth.
The document cannot be considered confirmation of the receipt of money. This is only proof of the right to disposal itself. Any transactions in connection with the issuance of a certificate are also controlled by the Pension Fund.
What can you spend it on?
The main thing is that the interests of the family are respected when selling funds. Experts do not advise rushing to invest these funds anywhere.
Unless there are pressing and serious problems related to housing at the moment. Every year there are more and more interesting areas for using maternity capital funds.
Improving living conditions
This is one of the most popular areas for using government assistance. There are several options for resolving this issue, provided all conditions are met:
- Buying an apartment or house using capital.
- Applying for a loan from a bank. Then maternity capital will serve as a means of support.
- Mortgage repayment.
- Home construction.
- Carrying out housing reconstruction.
Pension Fund employees make a decision on whether or not the money can be used to obtain one of the opportunities described earlier. In this case, to issue funds, they turn to banks that work with the maternity capital program.
Expert opinion
Elena Fink
Legal expert on benefits.
How can you use maternity capital?
The state program related to the payment of maternity capital was introduced in 2007 in accordance with the adopted law. This is a type of social assistance provided to all categories of citizens in the event of the birth or adoption of a second or subsequent children.
Currently, the amount of assistance is 453,026 rubles.
Before reading the material, we recommend reading how to obtain maternity capital and who has the right to it?
Previously, maternity capital could be used for children's education and mother's pension. Today, this money can be used to pay off debts on a mortgage that was taken out earlier. Several years ago, the law allowed the use of funds from maternity capital for the construction of a house or its reconstruction.
To do this, finances are transferred to the personal account of the certificate owner. This year, the restriction on using maternity capital before a child reaches the age of three to pay a mortgage loan as a down payment was eliminated.
The issue of the likelihood of a family purchasing a Russian car without mileage using maternity capital is currently being discussed.
During the period 2009-2010. the possibility of a one-time payment from maternity capital in the amount of 120,000 rubles was provided. The same anti-crisis measure is being developed by the highest executive body this year. A certificate is issued to confirm eligibility for financial assistance. The following have the right to receive this document:
- Women mothers who gave birth to a second or subsequent child;
- Second parent or adoptive parent , regardless of Russian citizenship, if state support measures have ceased in relation to the mother/spouse;
- A child who has reached the age of majority or is 23 years old and is a full-time student. They are issued a certificate provided that state support measures have been terminated for their parents.
The conditions for using financial resources under the program have changed over the 8 years of its existence. This concerns, first of all, where maternity capital can be spent.
Where can you spend maternity capital?
Currently, funds limited by maternity capital can be spent in the following areas:
- Improving family living conditions. Requirements: housing must be located on the territory of the Russian Federation. In this case, citizens who have left Russia for permanent residence will be able to dispose of housing.
- Payment for the child’s educational process. Funds can be directed to the following institutions:
- kindergartens;
- music educational institutions;
- art schools;
- colleges and universities.
- Mother's funded pension.
Rules for submitting an application for disposal of maternity capital
A citizen interested in receiving assistance, having determined for himself the direction of using the money, contacts the territorial division of the Pension Fund. It is necessary to write a written application to which certain documents must be attached. Their list does not depend on the chosen direction:
- A written and completed application for the use of maternity capital funds;
- Insurance certificate of the recipient of assistance;
- Documents that can attest to the identity of the recipient of assistance and his place of residence or stay.
Since February of this year, changes have been made to the procedure for submitting documents for obtaining maternity capital to the Pension Fund of Russia branch. In particular, there is currently no need to provide the original certificate when applying for assistance.
Additional documents for issuing maternity capital are determined in each specific situation. Their volume depends on the direction of maternity capital that was chosen by the interested party. This is reflected in Federal Law No. 256 of 2006, which regulates issues of additional support for families with children.
Current lists of required documents can be found in the following regulations:
- Decrees of the Government of the Russian Federation of 2007 No. 862 and 926.
- Order of the Ministry of Labor and Social Protection of 2013 No. 184.
Dear readers! If you have any questions on the topic “How can you use maternity capital” or have any other questions, ask them right now - use the online consultant form or call us at 8(800)-350-30-02 (the call and consultation are free for all regions of Russia)!
Source: https://o-nedvizhke.ru/kvartira/subsidii/materinskij-kapital/kuda-mozhno-potratit-materinskij-kapital.html
