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Families that have children have the right to use maternal or family capital in order to improve living conditions, obtain education for children, increase the mother’s pension savings, etc.
However, not all families can receive this benefit from the state; for this, a number of conditions must be met, as well as meet a number of requirements established by law. We will talk about such conditions and the procedure for receiving payment in this article.
Deadline for registration of maternity capital
In 2020, registering capital has become much easier than it was many years before. Previously, it was necessary to collect a lot of documents, obtain certificates, find a house register and be sure to appear in person at the Pension Fund with this entire list, some of which have a limited validity period. If you can’t do it all with a small child in your arms, you’ll have to start the circle again.
In 2020, everything changed. Now:
- The time it takes for government bodies to make decisions has been shortened. The authorities will make a decision in 15 days instead of 1 month.
- It will also not take so long to check the authenticity of all documents and the right to capital. Now it is not 14 days, but 5 working days.
Answers from lawyers: all about PF matkapital
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How to apply
Applying to receive or manage funds is now much easier. It is enough to log into your personal account on the Pension Fund website or on the government services portal. You need to log in or register in the system, get a confirmed profile (this is done through the MFC or by visiting the Pension Fund in person, this is done once, many residents of the country already have confirmed records).
On the Pension Fund website this is done like this:
- you need to log in;
- in your personal account, find the item “maternity capital”;
- click on “submit an application”;
- select the closest Pension Fund office to your home;
- save;
- enter the applicant’s data: SNILS, passport details, date, place of birth, contacts;
- record information about all children;
- mark the points that determine the right to dispose of funds;
- choose the document execution method – paper or electronic;
- Click on “generate information”.
When everything is ready, a record will appear in your personal account indicating that the application has been accepted. Then you just have to wait until all the information is checked for accuracy, and the capital is formed and a certificate is issued.
This can also be done by mail or by visiting the Pension Fund in person, as was previously available.
Who can receive MSC
Parents whose family welcomed a second or subsequent child after January 2007 are eligible to receive an MSK certificate. It was from this moment that a program was adopted at the federal level to support the demographic situation in the country.
The following persons can receive the document:
- mother of the 2nd or subsequent baby born after 2007, but before 2022;
- the father of a child whose mother has died or been deprived of her rights;
- the adoptive mother of the 2nd child, if the decision came into force during the period 2007-2021 inclusive;
- sole adoptive parent of several children;
- children, both adults, full-time students (up to 23 years old), and minors, if their parents or guardians lose the rights to receive this capital.
Important! Regardless of citizenship, a father can receive MSC if a woman is deprived of maternal rights or if she dies.
MSC is not provided to persons deprived of rights to children or who have committed criminal acts against their child.
You can use public money only after submitting an application for a certificate. It can be applied for not only by mother and father, but also by adoptive parents who also had a second or third child after 2007.
You can use government money only after submitting an application for a certificate.
What can you spend maternity capital on in 2020?
The list of activities has been expanded, now there are more opportunities for families. In particular, you can spend money on:
- payment for the construction of a residential building on a garden plot of land;
- improving housing conditions - take out a mortgage and use maternal capital as a down payment or to cover part of the debt;
- acquisition of a plot within the city or urban settlement;
- construction of your own house on a plot owned by recipients of maternal capital;
- payment for the education of any of the children, including preschool, higher or special education;
- refinancing a mortgage taken out without maternity capital funds;
- payment for childcare services;
- increasing the funded part of the mother’s or father’s pension;
- compensation for the costs of purchasing things necessary for a disabled child - equipment, technology, special treatment;
- receiving monthly payments for children born after January 1, 2020 from maternity capital funds until they reach 3 years of age.
All this becomes possible immediately after the baby is born. No longer will you have to wait until he turns 3 years old.
What is mat capital in Russia?
Maternity capital is one of the types of federal support for families with children. Previously, only families with two or more children could use it, and starting from January 1, 2020, also families who gave birth (adopted) their first child.
This program is regulated by Federal Law No. 256-FZ of December 29, 2006 “On additional measures of state support for families with children.”
Since January 1, 2007, 9.5 million citizens have already benefited from this type of social support. However, many to this day do not know about the existence of MSC or cannot use it due to the thriving bureaucracy.
Who will be denied maternity capital?
Another question that worries many is why they may refuse to receive money. According to statistics for the period from 2011 to 2020, when capital was paid, 203 thousand families were denied payment.
Main reasons:
- No rights to receive. If the family has no born children, and the adopted ones have not yet received documents. If the couple falsified information to get money. Also, the right disappears if the capital was received and spent earlier.
- Parents are deprived of rights to the child for whom capital is issued. When there is a court decision to deprive parents of their rights, it will no longer be possible to spend even the previously received certificate.
- One of the parents committed illegal acts against the child’s personality.
- The documents contain inaccurate information regarding the order or date of birth of the children.
- Termination of a purchase and sale agreement in the case when the funds are used to purchase housing or pay part of the mortgage.
- An attempt to purchase a plot where it is not allowed - where it is impossible to electrify, gasify or provide alternative heating, far from settlements.
- An attempt to build a house using maternal capital on a plot that does not belong to the child’s parents.
- Also, funds are not transferred to cover any loans other than mortgages or loans for the purchase of housing. You cannot use matkapital to cover a loan issued for a car, vacation, purchase of furniture or other purposes.
If you believe that maternity capital was denied unreasonably, you can contact the Pension Fund. If you cannot find support there, you can go to court.
general information
Maternity capital in Russia is a form of state support intended for families under certain conditions.
Maternal (family) capital is an additional measure of support for family, motherhood and childhood from the state.
The difference between maternity capital and benefits is that its recipient cannot use the funds in real terms. Instead, he receives a certificate for maternity capital, which should be used for its intended purpose.
This is important to know: How can you cash out maternity capital without waiting 3 years in 2020
You can use maternity capital only by bank transfer. Any cash transactions will be considered illegal. The result of such illegal actions may be that the owner of the capital is held accountable as an accomplice to the crime.
The support program has been in effect since 2007, but some changes were made to it in 2011 and 2013.
Changes made to the program in 2011:
- If the right to receive financial capital arose from January 1, 2011, then receiving 12 thousand rubles in cash becomes impossible.
- It has become possible to use maternity capital to repay a loan to purchase a home without waiting until the child turns three years old.
- If the child died in the first week of life, then the registry office must issue a birth certificate (previously a certificate was issued). Maternity capital can be issued on the basis of the child’s birth certificate.
Changes made to the program in 2013:
- The emergence of regional capital. It is also called municipal. The amount of this support ranges from 30 to 200 thousand rubles. Thus, the government of some regions of Russia encourage citizens to have a third child.
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Answers to frequently asked questions
Next, we will look at the most common questions and provide answers to them.
Can I receive maternity capital for a second child if the first one was born in another country?
The right to maternity capital arises if the first and second children are citizens of the Russian Federation. In addition, the mother or father must also have Russian citizenship in order to receive this measure of state support.
If any of the children has the citizenship of another country, then the right to a maternal certificate does not arise. It may arise if the second, third, or subsequent children were born or adopted on the territory of the Russian Federation and became its citizens.
Without citizenship, maternity capital is not issued. You can only purchase real estate in the Russian Federation; capital does not apply to the purchase of real estate in other countries.
Will the amount of maternity capital be indexed if it has not yet been spent?
No. Maternity capital is at the same level; its size is specified in the certificate, accurate to the penny. Only the level of capital is indexed - if this year it is one amount, then next year for future recipients it will be slightly higher, taking into account the level of inflation.
Moreover, experts advise not to hold capital for a long time. This is due to the fact that every year the purchasing power of the amount in the recipient’s account decreases. If you could buy a certain apartment for 450 thousand rubles last year, this year these funds may not be enough. The cost of apartments or building materials regularly increases, and capital funds are frozen at the same level.
Is it possible to receive maternity capital after the birth of the third child if the certificate was issued after the birth of the second?
In accordance with new support measures, after January 1, 2020, parents of a third child can receive a certificate for 450 thousand rubles, but only to repay part of the mortgage.
This certificate cannot be spent on other purposes, nor can it be put aside for children’s education or the mother’s pension. The only way to spend it is on a mortgage.
How many times can you get maternity capital?
One. The right to receive maternity capital funds arises for a family once per child.
Now the program has been expanded. A family can receive maternity capital for their first child born after 01/01/2020. She can then receive an additional measure of support for a second child. And then - receive a certificate to pay off part of the mortgage for the third child.
Can a father receive maternity capital?
Yes. Most often, the mother receives the capital, but this does not mean that the father cannot collect all the same documents and not submit them to register the capital in his name. It is important that the package of documents will contain a statement from his wife that she is not against such registration.
The father can spend the capital in the same place as the mother - on construction, buying an apartment with a mortgage and other areas. This is family capital, which is aimed at improving the conditions of children. He will not be able to spend it on personal needs or buy an apartment for himself - there must be shares in it for the children and spouse.
If twins are born, will the capital be doubled?
If a woman (or man) gives birth to twins or more children, she has the right to receive maternity capital.
But only one of the children will bring the amount, even if there were five of them. The amount of capital does not increase in any way depending on the birth of several children at once.
Who is eligible to receive materiel capital?
Condition: The child must have Russian citizenship. But in what place this child lives, from whom he was born and where it does not matter.
This is important to know: Agreement on the distribution of shares of maternity capital: sample 2020.
According to the legislation of the Russian Federation, the following categories of persons can receive maternity capital:
- A woman who is a Russian citizen and who adopted or gave birth to a second or subsequent children after 01/01/2007.
- A man who is a citizen of Russia, being the sole adoptive parent of the second or subsequent children in the presence of a court decision that has entered into legal force, starting from 01/01/2007.
- The father or adoptive parent of a child in the event of termination of the right to state support of the woman who gave birth to or adopted this child (if the mother was deprived of her rights, died or committed an intentional crime against the child). The citizenship of the father (adoptive parent) does not matter in this case.
- A minor child or children in equal shares, as well as a full-time student child until he reaches 23 years of age in the event of termination of the right to receive MK of the father (adoptive parent) or a woman who is the only parent (adoptive parent)
Confirmation of the right to receive maternity capital funds is a state-issued certificate.
Registration of the certificate
In order to use state funds, you must obtain an MSK certificate. It can be issued both on paper and electronically (Federal Law No. 256, Art. 5). The rules for submitting an application are set out in Order of the Ministry of Health and Social Development No. 1180n dated October 18, 2011. There is a certificate form in the Appendix.
Place of delivery
To obtain a certification document, you need to contact one of the Pension Fund branches
To obtain a certification document, you must contact one of the following places:
- Pension Fund branch . You can go there either at your place of residence or at your place of registration. The applicant may apply independently or through a representative appointed by him;
- mail. Copies of documents sent to the Pension Fund by mail must be notarized;
- MFC. The MFC specialist checks that the application is filled out correctly and that all necessary documents are available. After submission, they are sent to the Pension Fund. When applying through this agency, the period will increase by several days, which are required for shipment;
- public services. If you have a verified account, all documents in the form of scans can be sent to the Pension Fund for review. After the decision is made, you will need to come for a certificate to the selected Pension Fund branch with the originals of the previously scanned papers;
- personal account of the Pension Fund of Russia. Scans of documents are also sent.
The initial period for applying for a certificate is determined by the date of birth of the 2nd or subsequent baby. There is no deadline. You can apply at any time.
Documentation
Documents for issuing a certificate
To issue a certificate, the following documents will be required:
- passport of the applicant or applicant;
- birth documents of all children;
- papers confirming Russian citizenship for both the children and their parent;
- application (here you can fill out the application).
The latter document has a prescribed form, the form of which can be obtained directly from the Pension Fund branch or on its website. It states:
- name of the fund to which the application is sent;
- information about the applicant: full name, status of the person in relation to the child (father, mother, guardian), passport details, date of birth, place of residence;
- SNILS of the applicant;
- data about the baby whose birth allowed us to obtain the MSC amount;
- information about all children in the family in order of birthday;
- the place where a copy of the document should be sent is selected;
- all copies attached to the application are listed;
- The form is signed and dated.
State certificate for maternity capital
If the service is provided through a representative, his data must be entered into the application: full name, address, passport.
Important! In some cases, an additional document may be required according to which a woman’s rights to receive MSC are suspended: a death certificate or a court decision on deprivation of rights. In the event of the death of both parents, certificates of their death.
After all documents have been submitted, the applicant is issued a notification receipt.
Deadlines
The decision to provide a certificate is made within 15 days from the date of submission of documents (Federal Law No. 390 of October 30, 2018). Previously, the document was issued within a calendar month. In case of refusal, a paper explaining this decision is sent within 5 days from the date of such decision. Reasons may include:
- termination of the right to use public funds: completely used or deprived of such prerogative;
- providing false data or not all documents.
Deadline for issuing a maternity capital certificate