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?

The right to the maternity capital is held by citizensRussian Federation: the woman who gave birth (adopted) the second child from January 1, 2007; a woman who gave birth (adopted) a third or subsequent child, starting on 1 January 2007, unless she has 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 adoption decision of the court has come into effect, starting from January 1, 2007. At the same time, the child, due to the birth (adoption) of which the right to maternity capital arises, must also have the citizenship of the Russian Federation. Citizens of Russia, regardless of 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 filed in two ways: by personally applying to the territorial department of the Pension Fund of the Russian Federation at the place of registration or through a representative with a notarized power of attorney to file an application with the Pension Fund. Contact the Pension Board for obtaining a state certificate for maternity capital at any time after birth or adoption the second (subsequent) child. A certificate is a registered document that confirms the right to maternity capital. In case of loss or damage, a duplicate is issued as soon as the owner submits an appropriate application. Remember: you can get a certificate for the matkapital only in the territorial body of the Pension Fund at the place of residence. Ads on poles about help in this matter are traps of swindlers. Maternity capital can be used only in Russia. But not necessarily in the city where you received the certificate. Maternity capital is not inherited by inheritance. In the event of the death of a woman, the right to dispose of the maternity capital passes to the father, and if there is no father to the children. The right to maternity (family) capital arises at the birth or adoption of a child who has Russian citizenship. To obtain a state certificate, you need to apply to the RF Pension Board at your place of residence and provide documents: a passport or other documents proving your identity, place of residence, citizenship of the Russian Federation; certificate of birth (adoption) of children; insurance certificate of state pension insurance; application for issuance of a certificate for maternity capital; if necessary, additional documents. It is possible to distribute funds or part of the family capital funds not earlier than three years from the date of the birth (adoption) of the second, third and subsequent children. An exception is the direction of the funds of the parent capital for the repayment of the principal debt and the payment of interest on loans or loans, including mortgage loans, for the acquisition or construction of housing.

Underwater rocks

- Do not be lazy before a visit to the PF departmentcall the maternity capital specialist. Sometimes an envelope is added to something for the standard list of documents and photocopies: - A bank certificate (if you want to repay a mortgage) is issued a few days after your appeal, so do not plan a trip to the PF until this document is in your possession on hands. In a statement that you will be asked to write, indicate that you are not directing the funds of the parent capital to reduce the monthly payment, but to shorten the term of the loan, this scheme is more profitable, because with a long loan period, the lion's share of payments is interest. However, in this case, the bank may require the confirmation of your income in the form of certificate 2 of personal income tax, - Be sure to read the documents that are prepared at your request. There is a person sitting at the computer who can make mistakes. Because of its misprints or inaccuracies, the document loses validity.

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