Maternity capital until 2017, which can be spent on improving housing conditions

A photo: sotssetiNa currently the parent capital is 429 408 rubles 50 kopecks. This amount is annually indexed taking into account inflation. Capital can be spent on improving housing conditions (purchase, construction, reconstruction of housing), the education of the child (children) and the increase in the funded part of the mother's pension, and in all three areas and not necessarily in equal parts. By the way, repair and purchase of furniture do not relate to the reconstruction of housing, so you can not transfer funds for these purposes. Reconstruction of housing is construction work for changing existing technical and economic indicators of the house and increasing the efficiency of using the premises. A prerequisite for the use of matkapital - an increase in the living area of the house at least one square meter.

What else is important to know?

Citizens have the right to maternity capitalRussian Federation: a woman who gave birth to (adopted) a second child from January 1, 2007; a woman who gave birth to (adopted) a third or subsequent child, starting from January 1, 2007, if she has not previously exercised the right to maternity capital; a man who is the sole adoptive parent of a second or subsequent child, who has not previously exercised the right to maternity capital, if the court decision on adoption entered into force starting from January 1, 2007. In this case, the child, in connection with whose birth (adoption) the right to maternity capital arises, must also have citizenship of the Russian Federation. Citizens of Russia, regardless of their place of residence, have the right to receive a certificate if the second or subsequent child (also a citizen of Russia) was born after 2007. The application can be submitted in two ways: by personally contacting the territorial office of the Pension Fund of the Russian Federation at the place of registration or through a representative with a notarized power of attorney to submit an application to the Pension Fund. You can contact the Pension Fund office to receive a state certificate for maternity capital at any time after the birth or adoption of a second (subsequent) child. The certificate is a personalized document confirming the right to maternity capital. In the event of its loss or damage, a duplicate is issued as soon as the owner submits the appropriate application. Remember: you can only receive a certificate for maternity capital at the territorial office of the Pension Fund at your place of residence. Advertisements on lampposts asking for help in this matter are scammers' traps Maternity capital funds can only be used on the territory of Russia. But not necessarily in the city where you received the certificate. Maternity capital is not inherited. In the event of the death of a woman, the right to dispose of maternity capital funds passes to the father, and if there is no father, to the children. The right to maternity (family) capital arises upon the birth or adoption of a child who is a Russian citizen. To obtain a state certificate, you must contact the Pension Fund of the Russian Federation at your place of residence and provide the following documents: passport or other documents proving your identity, place of residence, and citizenship of the Russian Federation; birth (adoption) certificate of children; state pension insurance certificate; application for a maternity capital certificate; additional documents if necessary. You can dispose of funds or part of the family capital funds no earlier than three years after the date of birth (adoption) of the second, third, and subsequent children. An exception is the use of maternity capital funds to pay off the principal debt and pay interest on loans or credits, including mortgages, for the purchase or construction of housing.

Underwater rocks

– Don’t be lazy before visiting the Pension Fund officecall a maternity capital specialist. Sometimes an envelope is added to the standard list of documents and photocopies for some reason; - The bank issues a certificate on the remaining loan debt (if you want to pay off the mortgage) a few days after your request, so do not plan to go to the Pension Fund until you have this document in hand. In the application that you are asked to write, indicate that you are using maternity capital funds not to reduce the monthly payment, but to shorten the loan term - this scheme is more profitable, because with a long loan term, the lion's share of payments is interest. However, the bank may require confirmation of your income in the form of a 2-NDFL certificate; - Be sure to read the documents that are prepared at your request. A person who can make mistakes sits at the computer. Due to his typos or inaccuracies, the document loses legal force.