Many families in our country successfully use maternity capital funds. However, in the process of such use, certificate holders need additional information about the balance of funds of the specified subsidy. It will be useful to find out in what form information about the remaining balance of maternity capital is provided, whether the paper format of the document is the only correct one or whether an electronic version is also provided, in what ways the applicant can act, as well as the deadlines for providing information.
Purpose of a certificate about the balance of the microcompany
Maternity capital is state budget funds allocated for vital purposes to families in which two or more children were born. At the same time, the money itself is not given to citizens, but they are given the right to use it by presenting a personalized certificate. Thus, non-cash payments are implied, for example, when purchasing real estate or applying for a mortgage. Citizens can spend MK funds in full at once (in 2019 it is 453 thousand 26 rubles) or in parts. To make sure how much money has been spent and how much can be spent in the future, you need to request a certificate about the balance of state subsidies.
Help may be needed for the following purposes:
- when applying for a mortgage loan (to assess the solvency of clients, banks want to know what funds they have);
- if it is necessary to deposit an amount of funds to purchase a property;
- when using part of the funds in order to become a member of the cooperative;
- to transfer funds for a child’s education at an educational institution;
- to purchase specialized goods for disabled children;
- to transfer money to the mother's retirement account.
Help is provided in two formats:
- paper;
- electronic (in the form of a PDF document).
Both options are valid. However, some official authorities may require a document on paper (for example, at a bank). In this case, the citizen independently prints out the electronic certificate (if it is issued in this way).
Why is a balance certificate required?
Funds from maternity (family) capital (MSC) are not issued in cash, but according to the state program they are paid according to the details of the declared institution, so their control is mandatory. Transfer transactions are stored in the Pension Fund (PF) system and, if desired, information on transactions can be obtained at any time.
A certificate of balance in 2021 is a necessary document for the bank: if a citizen of the Russian Federation submits a request to use maternity capital funds to pay the down payment on a mortgage or to repay the principal debt and interest under a mortgage loan agreement. To make sure that the client provides reliable information and the state will pay the agreed amount for him, the bank will request a certificate from the Pension Fund. Without it, the registration procedure will not begin.
If you go through the list, the second popular way to apply the right to maternal capital would be the education of children. When contacting an educational institution and agreeing on the issue of payment, before concluding an agreement, a representative of the educational institution requests a document confirming the availability of money under the certificate. In turn, the legal entity or individual entrepreneur will provide details for making payments.
Families who receive monthly payments, popularly dubbed “Putin’s allowance,” can also control the balance. The amount is transferred to the card of the certificate holder in the amount of the regional subsistence level, which entails a reduction in the balance of the MSK; the certificate holder should check the balance at least once a quarter (once every 3 months).
Since 2021, indexation of the size of family capital has been resumed, and therefore the amount of state support changes annually. If part of the funds is spent, the remainder is indexed.
Conditions for obtaining a certificate of MK balance
The following persons have the right to order a document containing comprehensive information about the remaining subsidy funds:
- women with Russian citizenship who gave birth to or adopted a second child after January 1, 2007;
- who gave birth (adopted) a third or subsequent children from the specified date, if they have not previously exercised their right to maternity capital;
- men (citizens of the Russian Federation) who are the sole adoptive parents of the second or subsequent children, if the court decision on adoption came into force no earlier than January 1, 2007;
- fathers or adoptive parents, regardless of citizenship, if the mother or adoptive mother of the child cannot exercise her right or has lost the right to maternal capital (death of the mother, deprivation of parental rights);
- the children themselves, if the parents (adoptive parents) cannot or do not have the right to receive maternity capital.
The certificate is issued upon presentation of the required package of documents and the corresponding application (which will be discussed below). Instead of the owner of the certificate, his representative can apply for the paper, but only with a notarized power of attorney.
Purpose of a certificate of maternity capital balance
To be able to spend the remaining money in the maternity capital account, the person in whose name the certificate was issued submits an application to the Pension Fund.
Such a certificate about the amount of the principal balance in the Pension Fund of the Russian Federation for maternity capital is necessary in several cases:
- Registration of a mortgage loan.
- Payment for part (share) of housing that is being built.
- Entry into a citizens' housing association.
- Construction of housing.
- Financing the provision of services to children in various types of public educational institutions.
- Redirection of funds from maternity capital to the mother's pension savings account.
This certificate from the Pension Fund of the Russian Federation about the balance of maternity capital is issued only if the remaining amount is more than 30 rubles. An official request for a document is accepted by the Pension Fund branch upon registration.
Features of the certificate of MK balance
The official name of the document is “Certificate of the amount (remaining part) of maternal (family) capital.”
The certificate is drawn up according to the established template and has the following structure:
- Title of the document;
- information about the certificate owner;
- lines containing information about the balance of the MK;
- information about exactly how the certificate is provided in a particular case.
The document records data of this kind:
- full name of the certificate owner;
- SNILS;
- date of issue of the certificate;
- the amount of the remaining part of maternity capital in rubles;
- signature of the person who issued the certificate;
- PF seal.
The certificate of maternity capital balance indicates the method of providing information
The law does not determine the validity period of such a certificate. It is usually valid for a month from the date of issue. If the citizen did not have time to present it at the destination, he will have to fill out the document again.
How to obtain a certificate of maternity capital balance
When using part of maternity capital, there is often a need to find out its balance. The provision of this information is a public service provided according to certain regulations. The timing for issuing a certificate of maternity capital balance depends on the method of receiving the service. Information is provided free of charge.
How to obtain information about the balance of maternity capital through the Pension Fund website
The easiest and most accessible way to find out the balance of maternity capital is to use your personal account on the website of the Pension Fund of the Russian Federation. An account is created quickly if you have a verified account on State Services. You can find out about the balance of maternity capital after completing the request. In online format, information is provided in the form:
- an additional window with the requested data on the service provision site;
- electronic document available for printing.
The extract contains information about the certificate owner, the date the service was provided, SNILS number and the balance amount. There is only one downside to this method of obtaining information: the certificate is not certified by anyone, there are no signatures or seals, and it will not be possible to provide the document officially. But finding out the balance for yourself in this way is the best option.
When requesting help in your personal account, you can duplicate the information by email or download the document so that it is always available without re-entering the website.
Find out the balance of maternity capital through the Pension Fund branch
This method is suitable for those who require this information to be provided to any authorities or government agencies. In this case, you must make an appointment with the Pension Fund of the Russian Federation, write a statement there in the prescribed form and wait for a response within 5 working days. The day the application is submitted is not taken into account when calculating the deadline for providing the certificate. The advantage of this method: the document is certified by the signature of the employee providing the service and a seal.
Disadvantages of this method: the need to visit the Pension Fund, fill out an application, the need to wait and possible queues. To avoid queues, you can make an appointment with a specialist in advance.
Making a request via email
Suitable for those who, for some reason, cannot contact the Pension Fund in person and do not have a confirmed account on State Services. To do this, you need to find a sample application on the website of the organization providing the service, fill it out and send it by mail to the Pension Fund office in your region. In this case, the response will be sent to the certificate holder within 5 business days from receipt of the request.
A significant disadvantage of this method of obtaining information is the long wait for a response, which is why it is not popular.
Why do you need a certificate of maternity capital balance?
There are several situations when the owner of a certificate may need a certificate of its balance. Besides banal curiosity, when some of the funds have already been spent and you want to know the rest, there are other reasons:
- Applying for a mortgage using this money. When filling out an application, the bank requires a certified certificate from clients; it must be obtained in person at a branch of the Pension Fund of the Russian Federation so that the appropriate signatures are there.
- Planning a family budget when receiving payments from capital every month. It is more convenient to track its balance in your Personal Account in order to know exactly when it will end.
- Checking the update of the amount after annual indexation.
Regardless of the reason why the certificate holder needed a certificate, it can be requested an unlimited number of times. Even with daily interest, it will be satisfied; the necessary document is provided at any time.
How long does it take to prepare a certificate of maternity capital balance?
A report on the status of maternal capital funds is provided exclusively to the official owner of the certificate. Most often, this is the mother. Less often, the recipient is the father, most often if the children's mother is deprived of parental rights or in the event of her death. Relatives have the right to receive a certificate of the balance of funds from the benefit only by presenting a notarized power of attorney. Please tell me how and where to get an account statement.
Information ordered on the public services portal will be sent by mail to the specified address. You can make a request to obtain information on the official website of the Pension Fund of Russia only if you have registered on the government services portal.
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Find out the balance of maternity capital through government services
If you want to view information about the balance on your monitor screen, then select the first item. The second point will generate a certificate in PDF format, which will also indicate the amount of the remaining maternity capital.
Only registered users who have a simple electronic signature can use this service. If you don’t have one yet, then you will have to register for government services and then enter information about yourself. So, enter your username and password and log in to the site. Go to the catalog of available services and find the “Authorities” tab there and click on it.
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Instructions for filling out point by point
The sample certificate does not contain much information, but you should familiarize yourself with what the documentation looks like.
- In the upper left corner of the certificate, which is made on an A4 sheet, a stamp is placed, which is inherent in the bank that is the account holder. On the right side of the A-four sheet of paper, the period within which this document will be sent to the pension fund or multifunctional center is indicated.
- The word “help” is placed in the middle, then the presentation of necessary and important information begins.
The certificate has its own number, which should be indicated on the left side of the header.A date is also entered that corresponds to the date of issue of the document.
- It is necessary to indicate to whom this document was issued; in this case, your passport data must be present, namely last name, first name and patronymic.
Help about mat. capital informs that an account has been opened in your name with a certain credit institution, and its name is specified. - Next, it is clarified what details are provided for your review. For example, these may be details for transferring maternity capital funds in a set amount to receive a lump sum payment, or for using maternity capital funds in a certain amount.
Further, in the form of a table, the main details that are necessary in order to transfer funds to your account are listed. - An obligatory and at the same time final point is the purpose of payment. The name of this item may vary; the most common option refers to the transfer of a lump sum payment from available maternity capital funds, or the use of maternity capital funds for certain purposes.
The certificate is signed by the official, and your signature is also affixed.
It is this document that you will take to the government agency, which its employees will familiarize themselves with; if everything complies with the norm, then the certificate will be attached to your file.
Certificate about the balance of funds and the status of the maternity capital account
- original passport of the citizen who submits the application;
- SNILS;
- for children, you need to submit a birth certificate;
- Next, you need to provide confirmation that the money was used for legal purposes. An example of such confirmation could be a training contract and so on.
Photos of documents that will be needed to receive assistance payments to families
The disadvantage of this method of obtaining information about the balance on the maternity capital account is that you need to wait quite a long time, but if you can wait to receive such information, then this method is quite convenient.
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List of documents
Repayment of a mortgage with maternity capital documents list to the bank and pension fund.
To the bank
You should contact the manager with a request to prepare a special certificate about the balance of the principal debt for the Pension Fund.
- passport of a citizen of the Russian Federation;
- mortgage agreement.
After some time, they will prepare a certificate for you with data on the current balance of the mortgage debt.
In PF
- passport of a citizen of the Russian Federation;
- an application for the transfer of maternity capital to pay off a mortgage loan, the form will be provided by the pension fund;
- certificate for receiving MK;
- documents from the bank confirming the availability of a mortgage loan (certificate, mortgage agreement, payment schedule, etc.);
- bank details for further transfer of maternity capital funds;
- certificate of ownership and purchase and sale agreement for residential premises;
- a notarized obligation of the borrower to register the purchased residential premises as shared ownership after repayment of the loan.
Having submitted the documents, you will receive a receipt confirming the acceptance of the documents, with a mandatory indication of the date of their acceptance. Within 1 month, after checking the documents, representatives of the Pension Fund of the Russian Federation will issue you a written decision with consent, or maybe refusal (we will tell you about the reasons for the refusal and what to do in this case a little later).
Having received a positive answer, go to the bank. Next, we notify bank representatives and choose a way to spend your maternity capital. At Sberbank, you just need to look at your new payment schedule in Sberbank online. There is no need to walk or do anything else. Payment from the pension fund will automatically recalculate the schedule.
After approval by the Pension Fund, payment to the bank will be made within a month.
