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Who, when and how can use the maternity capital. State policy of support for young families

To support families with two or more children, the state has been implementing a special social program since 2007 - maternity (family) capital (MSC). Its size in 2016 is 453,026 rubles. The state certificate for MSCs is issued by the territorial bodies of the Pension Fund of Russia. Who is eligible for a state certificate? How to dispose of MSC funds?

First of all, it should be specially noted that to obtain state certificate the mother and child, with the birth or adoption of which the right to maternal (family) capital arises, must necessarily be citizens of Russia. You also need to know that the adoption of stepchildren, that is, the children of the spouse, does not give the right to maternity capital, as does the registration of guardianship.

The state certificate for maternity capital is issued to: a mother whose second child was born or adopted from 2007 to 2018 inclusive; dad, if he is the only adoptive parent of the second child, the court decision on the adoption of which entered into legal force after January 1, 2007; to the Pope - regardless of the availability of citizenship in the event that the mother's right to receive maternity capital is terminated; minor child(children in equal shares), as well as an adult studying full-time in educational organization, with the exception of the organization of additional education, before graduation, but no longer than before reaching the age of 23, if the parents or single parent has ceased the right to additional measures of state support.


- How can you manage the funds of the MSC today?

Since 2016, maternity capital funds can be directed not in three, but in four areas: to improve housing conditions, for the education of children, for the formation of the mother's future pension, and a new direction - payment for goods and services intended for social adaptation and integration into society of disabled children.

I must say that it is possible to dispose of capital funds in the main areas when the second child turns 3 years old. But there are also exceptions. An application for disposal can be submitted at any time from the date of birth or adoption of a child when the MSC funds are directed to pay the initial payment or repay the principal debt and pay interest on loans or borrowings for the purchase or construction of housing, as well as for the purchase of goods and services intended for social adaptation and integration of disabled children into society.

Improving living conditions is a rather capacious definition. What exactly does this direction include when disposing of maternity capital funds?

This is the acquisition of residential premises, and the construction of an individual housing construction object (IZHS) with the involvement of a contractor, and the construction or reconstruction of IZHS without the involvement of a contractor organization, and compensation for costs for the built or reconstructed IZHS object, and payment towards the down payment upon receipt a loan, including a mortgage, or a loan for the purchase or construction of housing. You can pay off the main debt and pay interest on loans or borrowings for the purchase or construction of housing, including mortgages. The law permits the payment to be made towards the payment of the price of the contract for participation in shared construction or towards the payment of the entry fee and (or) the share contribution, if the certificate holder or his spouse is a member of a housing, housing construction, housing savings cooperative. There are many nuances here, more details can be found on the PFR website in the "Life Situations" section.

What direction is more in demand today in the management of maternity capital funds among the residents of the district?

During the period of the program, the most demanded direction for the disposal of maternity capital funds is the improvement of housing conditions.

- Certificate holders can choose several directions at once.

It is possible to dispose of maternity capital funds or part of them simultaneously in several directions. But to send them to other purposes, not provided by law, it is forbidden. Equally, it is illegal to cash out funds.

- Is it necessary to personally contact Pension Fund for order maternity capital?

Today, citizens do not have to personally submit an application to territorial body FIU at the place of residence in writing... The application can also be submitted through " Personal Area»On the Unified portal of state and municipal services or on the PFR website.

Question: What you need to know about maternity (family) capital?

Lawyer's answer:

On January 1, 2007, Federal Law No. 256-FZ of December 29, 2006 "On additional measures state support for families with children. " normative act establishes the right to receive maternity (family) capital for families in which a second child has appeared since January 1, 2007 (or a third child or subsequent children, if at the birth of the second child the right to receive these funds was not formalized).

The size of maternity capital in 2013 for those who have not yet used it will be 408 thousand 960 rubles 50 kopecks. For certificate holders who have already disposed of part of the funds, the remaining part of the amount will be increased taking into account the growth rate of inflation.

Federal Law No. 256-FZ of December 29, 2006 provides for the following conditions for the use of maternity (family) capital:

The right to receive maternity (family) capital is granted only once;

Maternal (family) capital is indexed annually by the state. In 2007 it was 250,000 rubles, in 2008 - 276,250 rubles, in 2009 - 312,162 rubles, from January 1, 2010 - 343,378 rubles, from January 1, 2011 - 365,698 rubles, from January 1, 2012 - 387,640 rubles, from January 1, 2013 - 408,960 rubles;

Change in the size of maternity (family) capital does not entail replacement of the certificate;

The term for applying to the Pension Fund with an application for the issuance of a state certificate for maternal (family) capital after the birth of the second (third or subsequent child) is not limited;

An application for the disposal of funds (part of funds) of maternity (family) capital can be submitted at any time after three years from the date of birth (adoption) of a child, in connection with the birth of which the right to additional measures of state support has arisen. If it is necessary to pay off the principal debt and pay interest on loans and borrowings, including mortgages, you can use maternity capital for the purchase (construction) of housing without waiting for the second child to reach the age of three;

Maternal (family) capital is exempt from personal income tax;

Maternal (family) capital is provided not to a specific child, but to parents, family. Accordingly, these funds can be spent taking into account the interests of the whole family;

The certificate is valid only upon presentation of an identity document. The validity of the certificate is terminated in the event of the death of the owner, deprivation of his parental rights in relation to the child, in connection with the birth (adoption) of which there was a right to receive maternity capital or to commit it in relation to the child (children) willful crime... In case of loss of the certificate in the territorial body of the Pension Fund of the Russian Federation, you can get a duplicate;

You can apply for a certificate to the territorial body of the PFR at the place of residence, at the place of stay or actual residence;

An application for the issuance of a certificate and documents to the territorial body of the PFR can be submitted through confidant or send them by mail.

The following persons have the right to receive maternity (family) capital:

Woman holding citizenship Russian Federation who has given birth (adopted) a second, third child or subsequent children starting from January 1, 2007;

A man who has the citizenship of the Russian Federation, who is the only adoptive parent of the second or subsequent children, if the court decision on the adoption entered into legal force starting from January 1, 2007;

The father (adoptive parent) of a child, regardless of whether he is a citizen of the Russian Federation, in the event of termination of the right to additional measures of state support of a woman who has given birth (adopted) children, due to, for example, death, deprivation of parental rights in relation to the child, in connection with the birth (adoption) of which arose the right to receive maternity capital, to commit a deliberate crime against a child (children);

A minor child (children in equal shares) or a full-time student (children) until they reach the age of 23, upon termination of the right to additional measures of state support for a father (adoptive parent) or a woman who is the only parent (adoptive parent) in established Federal law cases.

In confirmation of the right to receive maternity (family) capital funds, a state-recognized certificate is issued.

Question: How can maternity (family) capital be used?

Answer: Maternity (family) capital funds are not transferred in cash. It is possible to dispose of the funds (part of the funds) of the maternity (family) capital no earlier than after three years from the date of birth (adoption) of the second, third and subsequent children. An exception is the direction of maternity (family) capital funds to pay off the principal debt and pay interest on loans or borrowings, including mortgages, for the purchase (construction) of housing. In this case, maternity capital funds can be used without waiting for the second child to reach the age of three, and regardless of the date of the loan agreement.

Funds of maternity (family) capital can be disposed of in in full or in parts in the following areas:

Improving living conditions:

The funds (part of the funds) of the maternity (family) capital can be used for the purchase (construction) of a dwelling. Including:

purchase of a dwelling or an individual dwelling house;

construction of a residential building with the involvement of a construction organization;

construction or reconstruction of individual living quarters without the involvement of a contractor organization;

reimbursement of costs for the construction or reconstruction of an individual housing construction object;

payment of the down payment upon receipt of a loan or loan, including a mortgage, for the purchase or construction of housing;

repayment of the principal debt and payment of interest on loans or borrowings, including mortgages, for the purchase or construction of housing;

payment for participation in shared construction;

payment of the entrance fee as a participant in housing, housing construction, housing savings cooperatives.

Education for a child:

Funds (part of the funds) of maternal (family) capital can be used for education by a child (children) in any educational institution on the territory of the Russian Federation that has state accreditation, as well as for the maintenance of a child (children) in kindergarten(any educational institution implementing the main general education program preschool education or basic educational programs primary general, basic general and secondary (complete) general education). The funds can be used to educate any of the children in the family when the need for education arises. At the same time, the child's age at the date of the start of education should not exceed 25 years.

Formation of the funded part of the labor pension for women:

The funds (part of the funds) of the maternity (family) capital can be directed to the formation of the funded part of a woman's labor pension by submitting an application to the territorial body of the Pension Fund. It is also possible to send funds (part of funds) of maternity (family) capital to the funded part of the labor pension to a non-state pension fund (private management company).

IMPORTANT! Maternity capital funds can be obtained only by bank transfer. Any cashing scheme for these funds is illegal. At the same time, the owner of the maternity capital certificate, who agrees to take part in the cashing schemes offered by a third party, goes to commit an unlawful act and can be recognized as an accomplice in a crime due to the misuse of public funds.

Question: How to use maternity capital funds for the construction of an individual residential building without involving a construction company?

Answer: You need to apply to the Pension Fund of the Russian Federation, having in your hands the documents: a certificate of ownership of land for construction (for the owner of the certificate or legal spouse), a building permit, bank account details and an obligation specially issued by a notary that after the completion of construction an individual residential house will be registered in the ownership of children, mother and father.

First, an advance payment will be transferred to your bank account - 50% of the amount of maternity capital. And you will receive the second half in 6 months upon confirmation that you have already completed the main work. For example, a foundation or walls were erected.

Question. Is it possible to receive maternity capital funds if the family has already built a house?

Answer: Yes. You can receive compensation for already built housing for the entire amount (or part of the amount) of maternity capital. You just need to register the house as the owner of the certificate or legal spouse. And after that, apply to the Pension Fund of Russia with documents: a certificate of ownership for land plot and for a house, as well as a building permit.

Not only new settlers can apply for compensation, but also all those who built and decorated the house after January 1, 2007.
Advocate: Makaali Aliyev

There are programs to help young families in Russia

The activities of the Russian government are aimed at providing assistance to vulnerable segments of the population.

These include:

  • old people
  • families with three or more children
  • disabled
  • poor

Today, assistance to a young family from the state is especially needed. Spouses are very often financially limited, do not have free cash and cannot afford to buy their own separate home.

For the growth of the birth rate in the country, it is necessary to provide high-quality support to the cells of society, therefore, the government annually allocates considerable cash from the annual budget for the development and implementation of various programs of social support for citizens.

Navigating the article

State benefits and assistance programs for young Russian families

Aid at the federal and local levels can provide meaningful support to a spouse's life plans. Therefore, it is important to know what subsidies and benefits are due to a young husband and wife.

Affordable Housing

The housing issue remains one of the most pressing in the country. Few young families have free funds to buy a separate apartment or build a residential building. Living with parents or renting housing is not always convenient and profitable.

The government's activities are aimed at solving this acute problem. Large funds are annually allocated from the federal and regional budgets for the development and implementation of special social programs to help citizens.

“Providing young families with affordable housing” is one of the most demanded and popular types of government support for citizens.

The program has existed for several years now and is aimed at providing real assistance to the population of Russia to buy housing. The state allocates funds in the amount of 30-35% of the total cost of housing. The rest must be paid by the program participants.

Who can get help

There are a number of conditions that a young spouse must meet in order to obtain a certificate:

  • Wife and husband cannot be over 35 years old when joining the program.
  • A family seeking a subsidy must be recognized by the authorities local government really in need of better housing. According to the terms of the project and the legislation of the Russian Federation, each family member, including small children, should have at least 18 meters of premises.
  • The spouses have savings or income, which is enough to pay 65-70% of the amount when buying a house or apartment, or they have the option of obtaining a mortgage loan in a commercial bank.

Exercise the right to government aid may also single-parent families with one or more children, corresponding general criteria and requirements.

Upon presentation of deliberately inaccurate or incomplete documents, the spouses are expected to leave the program participants.
The right to receive assistance is a certificate that is submitted to a commercial bank.

Further, on behalf of the client, the funds allocated by the state are sent to purchase an apartment under a sale and purchase agreement or to draw up documents for the construction of an individual residential building.

It is important to note that the certificate must be submitted to the specified bank no later than two months from the date of its receipt, otherwise it will be invalidated.

How you can manage your money

There are several options for where. Young spouses have several options for disposing of the document:

  • Buying an apartment or house in both the primary and secondary markets, for those who joined the program before 2014.
  • Purchase of housing in the primary market.
  • Making a down payment on a mortgage loan.
  • Direction of funds for the construction of a residential building.
  • Payment of the share contribution.

Obtaining a certificate

For registration of cash material assistance state, young spouses need to contact the authorized local government bodies.

If a family in need meets the program member's requirements, they will be assigned a queue number. Upon receipt of the certificate, it must be implemented within nine months.

The documents

To be able to pay, you need to prepare a simple package of documents:

  • copies of parents' passports
  • copies of birth certificates of all children
  • copy of marriage certificate
  • documents officially confirming the fact of recognition authorized bodies a family really in need of better housing conditions
  • certificates confirming direct or indirect income, which allows you to deposit the missing part of the money or get a mortgage
  • application for participation in the program

This is the main package of documents, some additional information is possible depending on the specific situation.

Social mortgage

Large commercial banks thanks to state support offer to use young families special conditions on a mortgage.

This makes the loan product more accessible to different strata of the population, reduces the monthly financial burden and reduces the total amount of interest paid to the bank. The main advantages of a social mortgage are:

  • payment of part of interest by the state
  • at the birth of each child in the family, the main debt and interest can be reduced, if it is specified in the contract

The owners of this loan product can take advantage of all the possibilities when purchasing a home, as with a conventional mortgage:

  • getting a tax deduction when buying real estate
  • payment of maternity capital to pay off the principal debt or interest on a mortgage
  • if there is a special additional subsidy, it can be used as a down payment for the purchase of a home

Not everyone has the opportunity to obtain a social mortgage.

To obtain it, you must submit certain documents and certificates to the credit institution and get in line.

Benefits for large families


Large families can count on help

The government of the country is trying to provide great assistance to young families with three or more children.

For the upbringing of future citizens of the Russian Federation, good housing conditions and a favorable social environment are needed.

To this end, the government issues laws that are aimed at maintaining a decent standard of living for large families.

They are supposed to:

  • preferential rates for housing and communal services
  • allocation of land for the construction of residential buildings or maintenance Agriculture, including for commercial purposes
  • security medicines children under 6 years old
  • full or partial cancellation of obligations to pay land tax
  • exemption from public transport fares
  • free meals for children in preschool and school institutions
  • advantage in queues at nurseries and kindergartens
  • acquisition school uniform at the expense of the state
  • assistance in cultural development in the form of free visits to museums and exhibitions

Maternal (family capital)

A certificate confirming the right to receive and use maternity (family) capital has been issued to a mother, father or guardian at birth, as well as the adoption of a second child since 2007.

If the family did not use the right to issue a certificate earlier, then it can also be obtained after the birth of a third or subsequent children. Every year the amount of financial assistance is indexed and grows.

Thousands of Russian families have already used the opportunity to receive this financial support the state.

How the certificate can be used

You will not be able to cash out funds. The certificate can be used for specific purposes:

  • improvement of living conditions
  • payment for children's education
  • the formation of a funded maternal pension.

The first step in issuing a certificate will be to contact the registry office. There they will issue a birth certificate of the child, which gives the right to receive financial assistance. Then you need to go to the Pension Fund of Russia along with the previously collected certificates and documents.

After the application is accepted, payments are made for the specified purposes within 2 months.

Package of documents

To issue a certificate giving the right to a state payment, you need to contact the FIU at the address of residence or registration with certain documents:

  • statement
  • copy and original of passport
  • copies and originals of birth certificates of all children
  • SNILS of the applicant
  • copy of marriage certificate, in case of change of surname

Additional benefits of the state

The government strives to provide the population with everything they need. Helping young families is one of the priority activities of the Russian Federation.

Every year, new projects and programs are developed and implemented to improve the living standards of the country's citizens. The following help is available to young people in society:

  • dairy kitchen for children from 8 months to 2 years
  • free medicines for children under 3 years old
  • help for student parents
  • free travel for children under 7 years old
  • tax relief
  • additional benefits and increased benefits for
  • low-income families and single parents

In most regions of Russia, additional benefits and subsidies are also introduced to provide assistance to the population.

Population assistance programs 2015. Changes and innovations

The country's demographic policy is aimed at raising the birth rate in the country and reducing mortality. State assistance to a young family in 2015 is aimed at creating the necessary conditions for the birth of children, at improving the level and quality of life.

2015 was slated to be the final year for some of the government's major youth support programs. However, the main ones were extended for some time.

Home Purchase Subsidies

Today the work of the program "Providing young families with affordable housing" continues. During the period of the program, it is planned to have time to provide the necessary housing for 172 thousand Russian families, while spending 313.13 billion rubles.

Sources of funding for the program

  • Federal budget - 28.18 billion rubles.
  • Regional budget - 65.76 billion rubles.
  • Savings and personal or borrowed funds of citizens - 219.19 billion rubles.

For those who entered the program in 2015, the following financial assistance is provided:

  • Subsidy of 35% of the total property value for childless families. The total family budget should not be less than 21.621 thousand rubles, the approximate amount of payment is 600 thousand rubles.
  • Subsidy of 40% of the total cost of housing for families with one or more children. The total family budget and the approximate amount of payments depends on the number of members of the family in need.

Changes

The basic rules and conditions of the program have remained unchanged, but there are some innovations that appeared last year:

  • buying a home on the secondary market is prohibited
  • removed the ability to repay principal or interest on a mortgage loan

The changes do not affect those who joined the program earlier than 2014.

According to the initial plan, 2015 was planned to be the last year for the implementation of the popular program, but so far its closure is not expected. Presumably, the subsidy will be extended until 2020.

There have been no significant changes in this project and are not expected this year.

Maternity capital in 2015

Financial assistance was indexed in 2015, and was determined in the amount of 453,026.0 rubles. The state took measures to combat the difficult situation in the country, and citizens were able to allocate part of the money from the certificate in the amount of 20 thousand rubles for everyday needs.

To do this, you need to go to the FIU and write an application for the payment of funds. You can receive the due money no later than two months from the date of submission of all necessary certificates and documents.

Preferential lending programs

As before, several large banks, with the support of the state, are selling loan products with reduced interest rates to young families in need. List of organizations 2015:

  • VTB 24
  • Gazprombank
  • Sberbank.

Perspectives

Back in 2013, a new bill was prepared, called “On additional measures to support young families,” aimed at providing support to the population.

Information is on the official website State Duma... According to this document, spouses have the opportunity to receive:

  • an interest-free loan for the purchase or construction of real estate, if the family has many children
  • special housing allowance from the state at the birth of each child
  • preferential mortgage rate
  • social assistance in the form of a certain payment for the purchase or construction of housing

But this bill is still under consideration, and the timing of its adoption is still unknown.

Plans for the future

New bills are issued annually by the government. Will the required one be provided in 2016? Surely the answer to the question is yes.

The demographic situation in Russia has not been completely resolved, although positive dynamics are already noticeable.

Housing programs


A project such as "Providing young families with affordable housing" will work in 2016. On August 25 this year, Dmitry Medvedev approved Resolution No. 889, on the basis of which the provision of assistance will be carried out for another five-year period.

The project has shown high efficiency in solving a complex demographic issue. It is planned to provide support to another 235 thousand young families until the end of the program. Estimated date 2020.

Maternity capital in 2016

The period of existence of the program was calculated for 2007-2016. Significant innovations and changes in the project are not expected. However, the issue of extending the program is acute. There are various variations of the bill:

  • Only needy low-income families will be eligible for the subsidy.
  • Indexation will be canceled for the coming years, or it will be significantly reduced.
  • The only way to implement the certificate will be to improve housing conditions, since education services in Russia should be provided free of charge, and the third option for pension savings is not popular among citizens.
  • Using the parent ( family capital) will become available only for the purchase of housing on the primary market, equity or individual construction.

Dairy kitchen

A big scandal erupted over the closure of the dairy kitchen in 2016. Young parents were not ready for such an abrupt shutdown of baby food distribution points. Thousands of signatures of citizens were collected to cancel this decision.

The government went to meet the population and postponed the closure of the dairy kitchen until at least 2016.

No additional new projects are planned in 2016. In a crisis, it is difficult for the state to allocate funds from the budget for the implementation of programs to support young people Russian families... However, the government promises to fulfill the existing obligations in full.

State policy of support for young families

The Russian Federation is aimed at improving the quality of life and improving the demographic situation. For this purpose, special programs have been created with the help of which it is easier for spouses to realize their plans for the future.

Special benefits for families with many children and single parents allow for the full development and education of children. The government seeks to provide gratuitous assistance to the population, thus showing concern for the future generation and the state of the country as a whole.

You can watch the video about helping young families:

Ask your question in the form below

Eligibility maternal certificate to receive maternity (family) capital is provided to a Russian woman only once. At the same time, the change in the size of the maternity capital does not entail the replacement of the certificate. Therefore, the funds received must be disposed of correctly. To date, there are three possibilities to dispose of maternity (family) capital:

  • improve living conditions;
  • spend on education of the child (children);
  • to use the received amount for the formation of the funded part of the mother's labor pension.

Moreover, maternity capital in each of the areas can be used in full or in part.

According to the Decree of the Government of Russia dated December 12, 2007 No. 862 "On the Rules for the allocation of funds (part of funds) of maternal (family) capital to improve housing conditions", you can spend the funds received on the purchase (new or secondary) housing, its construction, as well as to pay the mortgage loan.

It is possible to use in full or in part the amount of maternity capital to pay for educational services when the child, at the birth of which this right arose, turns three years old. Moreover, payment can be made for another child (children) in the family, including those adopted. The only restriction is that the child's age cannot be over 25 years old as of the date of the start of education.

Anyone can pay for educational services educational institutions(kindergartens, general education or music schools, universities, etc.) municipal, state or non-state (but having state accreditation). In addition, you can pay for the accommodation during your studies. Women who have made a decision to channel funds (part of funds) from maternity capital to form the funded part of their labor pension have the right to change their decision at any time before the day of its appointment.

The owners of land shares, at one time, became workers and employees of collective and collective farms. In the 90s of the last century, many such organizations and communities disintegrated, and their former members were distributed material values, including in the form of land allotments, as "compensation". Someone began to develop their own business on the received agricultural plots, someone sold them, and someone still does not know how to dispose of land share.

What is a land share

A land share is a share private property in a common array. Its size is expressed as a percentage of the total plots, and is calculated in hectares or acres. Land share, like other types real estate, must be privatized in order to change its purpose or sell.

Land shares were issued free of charge to collective and state farm workers who had worked for a certain number of years in this association, regardless of their position. The division of public and state lands into shares took place during the dissolution of rural organizations of the agrarian type, during their transfer to commercial "rails" in the 90s of the last century. Answer exactly to the question - 1 share of land is how much is impossible. In different regions and business entities the percentage division of allotments is different.

Owning such an allotment allows the owner not to depend on the state, to maintain his personal subsidiary or agricultural farm, to receive income from it by selling it. There are also requirements for the owner of a land share - if the site is not used, not processed, it can be withdrawn in favor of the state. But there were few such cases, since the land shares were given to peasants who knew how to dispose of them and how to get income from them, who had agricultural and livestock skills.

How can you dispose of the land share

Land has always been and will continue to be the most cost-effective type of property. The allotments, with the right use of them, are able to bring quite high, and from a legal point of view, profit to their owner and not be burdensome at the same time. You can get income from a land share in the following ways:

  • sell after privatization,
  • make an exchange for another type of real estate or transport,
  • donate or inherit,
  • lease or use as directed.

Enterprising businessmen-agrarians or builders buy up land shares, breed cattle on them or grow herbs, grain, change the category of purpose and build residential, industrial, shopping complexes on plots, increasing income from land tens and hundreds of times.

If the owner of a land share decides to sell it, he must understand that the value of each allotment is individual, and consists of specific characteristics- location, size of the site, soil fertility on it, the demand for land in this area in the real estate market. Lawyers do not recommend rushing to sell the land share - it is better to first assess it and consider other options for disposing of it.