Monthly payments from maternity capital in 2021: amount, documents, how to receive

What is maternity capital?

Family capital is government assistance focused on improving the demographic situation.

Its essence is to provide funds at the birth of the second and other children in the family, but these funds can only be spent on the implementation of certain goals.

According to the law, a certificate for family capital can be received by couples who gave birth (or adopted) after 01/01/2007 to a second or another child.

You can learn more about the adoption procedure from this article.

Who can be the recipient:

1. a mother with Russian citizenship who gave birth to or adopted a second child from 2007 to 2021;
2. the father, who is the only adoptive parent, whose court decision on adoption began to take effect after 01/01/2007;
3. father (regardless of citizenship), if the mother loses the right to receive money;
4. a minor child (children in equal parts), as well as a child studying full-time (but not later than 23 years old), if the parents or the only parent have lost the right to receive assistance.

Registration of guardianship cannot serve as a basis for receiving money.

Cashing out maternity capital in 2021

There were no major changes in terms of spending maternity capital funds in 2021. Funds received as part of government assistance must still be used for the strictly defined purposes listed above.

We can talk about cashing them out only in the sense that before purchasing housing or paying for educational services within the framework of a lending scheme, money is placed in a specific account in a bank, microfinance organization or consumer cooperative. In fact, they take on a form that differs little from the present one. This is precisely what is understood as cashing out maternity capital through a loan.

Any other manipulations with the family capital certificate, which result in the issuance of cash in hand, can hardly be called legal. Moreover, there are many scammers on the market, cooperation with whom often results in the loss of the opportunity to benefit from government assistance. Therefore, proposals to cash out maternity capital through a loan should be treated carefully and critically.

What is the benefit amount in 2021?

In 2021, the program continues to operate with a large number of innovations :

• it is extended until December 31, 2018;
• a new direction for spending funds has been created - social support for disabled children;
• in the second half of the year, it is possible to withdraw a second lump sum payment in the amount of 25,000 rubles.

The amount of cash assistance in 2021 has not changed and is 453,026 rubles, but the government promises an increase.

How to arrange it correctly: general order

What is the procedure for processing documents to obtain maternity capital for a second child?

First, you need to wait until the child is born or the official adoption procedure is completed (the court decision on adoption must come into force). After this, you can begin the registration procedure itself.

The right to receive money must be documented, i.e. receive a certificate. It is not necessary to do this immediately after birth; it can be done later.

The legislation does not establish time limits and does not force one to undergo the procedure immediately after the corresponding right arises . You can apply for a certificate even after several years (for example, before using it directly).

For registration, you need to collect a package of documents that is submitted to the Pension Fund.

Documents are submitted in person or by an authorized representative.

Sending documents by mail is allowed.

The certificate is issued after reviewing the submitted documents and making a positive decision by the Pension Fund of Russia.

Refusal may occur if an incomplete package of documents is submitted or if one of them is in doubt. You can pick up the certificate yourself or receive it by mail.

The decision period is one month. The certificate issuance period is 5 days after the decision is made.

How to apply for and receive a mat. capital?

In fact, not everything is so complicated if you know in advance what exactly is needed and where to get the necessary documents to cash out maternity capital.

According to Federal Law No. 256, maternity capital funds can only be used to improve housing conditions (buying a home, reconstructing one’s own home or paying off a mortgage), education for children, formation of a mother’s funded pension, or for the social adaptation of disabled children.

There was also an opportunity to cash out part of the amount - 25 thousand rubles - to use it for the current needs of the child.

According to this law, state money can be used when the second child turns three years old (can funds be cashed out before the age of 3?).

The exception is paying off a mortgage. In this case, you can use the money immediately after receiving the certificate (read about how to cash out MK up to 3 years through a bank).

It is worth noting that in order to use federal money, you must initially submit documents to the Pension Fund to obtain a certificate . If you are indeed eligible for it, it will be granted within 30 days.

Only then will it be possible to use it to receive funds. Further in the article, how to register to receive maternity capital?

List of required documents

What papers are needed in order to properly register maternity capital :

• statement;
• photocopies of passports of parents or adoptive parents (single parent);
• birth certificates of children (court decision, adoption certificate);
• SNILS;
• a document certifying the citizenship of the Russian Federation of the recipient and the child;
• passport of the authorized person, certified power of attorney to submit documents.

In some cases the following documents are required:

1. confirmation of the death of the mother or adoptive parent, recognition of her as deceased or deprived of parental rights;
2. a document proving that a woman has committed a deliberate crime against a child against a person;
3. death certificate of parents, declaring them dead or deprived of parental rights;
4. a document proving that parents or adoptive parents have committed an intentional crime against a child.

Find out more here what to do if your husband raises his hand to you.

List of documents for obtaining maternity capital in 2021

To issue a certificate for maternal capital, along with an application to the Pension Fund (PFR), you must submit the following documents established by Part 5 of Order No. 1180n:

• Russian passport of the person applying for the certificate;
• birth certificates of all children with a mark on Russian citizenship (if not, then a document confirming it);
• documents confirming the adoption and citizenship of children, if they were adopted;
• if the application is submitted by a legal representative: identification card;
• confirmation of place of residence (stay);
• documents proving authority;

Original are provided to the Pension Fund . If this is not possible, notarized copies may be submitted.

Application for the issuance of maternity capital

According to Part 6 of Order No. 1180n, the application for a maternity capital certificate shall indicate:

• name of the territorial body of the Pension Fund;
• Full name, gender, date and place of birth (without abbreviations) of the applicant and his status (mother, father, child);
• information about the identity card (type, by whom and when issued, series, number);
• citizenship;
• SNILS (if available);
• information about place of residence or stay: index;
• region;
• area;
• city ​​or other locality;
• street, house number (building and apartment);

You can write the application yourself or at the Pension Fund branch (multifunctional center) so that a specialist can check its accuracy.

Is it possible to get a mortgage using maternity capital?

The legislation has determined the purposes for which money can be spent :

1. improvement of living conditions (Resolution of the Government of the Russian Federation No. 862 of December 12, 2007);
2. buying a home;
3. payment of interest on a loan issued for the purchase of housing;
4. paying a down payment on a mortgage;
5. repayment of debt on a loan for the purchase of housing to a microfinance organization or credit cooperative;
6. child's tuition fees;
7. the funded part of the mother's pension;
8. payment for goods and services aimed at the rehabilitation of disabled children.

So, you can definitely get a mortgage with maternity capital money. This is one of the popular areas for spending funds of this type of government assistance.

To obtain a mortgage using maternity capital, a family must meet a number of requirements set by the bank :

• presence of stable high income of borrowers;
• work experience with the last employer for at least six months (in some organizations - up to three years);
• total work experience over the past five years - at least one year;
• when applying for a mortgage, only “white” wages are taken into account; “black” wages can be considered as additional income;
• lack of home ownership;
• housing purchased with a mortgage, after becoming the individual property of the borrower, must be distributed in shares based on all family members;
• absence of unfavorable credit history of borrowers.

Here you can learn in more detail about the types of liability for non-payment of loans.

Allocation of capital share for children

If family capital is used for mortgage lending, before sending it to the bank, the Pension Fund of the Russian Federation requests a notarized undertaking that after paying off the debt within six months, the housing will be registered as the property of the entire family (wife, husband and all children).

The allocation of a share of capital to children and other family members is determined by agreement.

After receiving the certificate in hand, you need to come to the Pension Fund again and write a statement that the funds will be used to pay off the mortgage.

Without a pre-formed commitment, the Pension Fund will refuse to send money to the bank.

The obligation is borne by the owner of the property for the purchase of which a mortgage is issued.

This person guarantees the allocation of shares to family members, including children.

There are no provisions in the legislation regulating the procedure for allocating a share to a child who is designated in the obligation.

However, the Housing Code states that the standard living space per person is 12 m2. This indicator varies in different Russian regions depending on different circumstances.

The same document provides the minimum sanitary standard for living space, which is 6 m2.

In the obligation itself, there is no need to indicate specific shares determined for each of the children, but during the procedure for registering housing as property, this issue should be approached extremely responsibly.

What documents do you need to collect to register maternity capital?

A certificate is issued by the mother of the children, but if the father is raising the children because the mother has died or was deprived of parental rights, then he can independently contact the Pension Fund branch. But he must have documents confirming his status.

Maternity capital can be applied for not only by the biological parents of minors, but also by official adoptive parents.

To obtain a certificate you need to collect all the necessary documents:

• applicant's passport;
• a correctly completed application in the PF form;
• birth certificates or passports of children raised by the family;
• documents proving the official adoption of minors;
• if the documentation is transferred by a representative, then he must have a passport and a power of attorney certified by a notary;
• an extract from the house register confirming that all family members live in the same property;
• if a man applies for a certificate, then he must have a mother’s death certificate or documents proving that the woman has lost parental rights.

Reference! The documentation is transferred to the branch of the Pension Fund at the place of registration on the basis of the provisions of Part 5 of Order No. 118n. Only originals are required, and if it is impossible to transfer them, then copies are made and certified by a notary.

FAQ

Is it possible to register maternity capital for my husband?

In accordance with the provisions of Law N 256-FZ “On additional measures of state support for families with children” dated December 29, 2006, registration of state registration is not provided. help for the father of the children.

According to Article 3 of Part 1, “the right to additional measures of state support arises upon the birth (adoption) of a child (children) having citizenship of the Russian Federation, for the following citizens of the Russian Federation, regardless of their place of residence: women who gave birth (adopted) a second child starting from 1 January 2007; men who are the only adoptive parents of a second or third child...”

The father can register (re-register) maternity capital only in the event of the death of the mother. And in the case of a man’s adoption of a child, who must be the second and live with him.

Where should capital not be spent?

Maternity capital is quite good assistance from the state to young families with two children for development. But the state has clearly delineated the areas on which money can be spent. Where can you not spend maternity capital?

• for the purchase of land;
• for apartment renovation and purchase of building materials for renovation;
• to repay loans for the purchase of household appliances or a car;
• to pay off rent debts;
• for treatment;
• take the entire amount in cash (except for lump sum payments).

What is regional maternity capital?

Regional maternity capital is financial assistance provided to large families in many Russian regions.

Regional maternity capital varies in the amount of payments and conditions of use.

Basically, its size is one hundred thousand , paid by the state. assistance with the birth of a third child.

It can be used, like other social payments, to improve living conditions and education of children. But some regions may give permission for such a service as a mortgage.

For example, use it to purchase a car, treat a child, renovate a home, or purchase a plot of land .

These payments provide good financial support to families. You just need to know that this distribution of funds is handled by the local authorities of the region where these families live.