What and how to spend maternity capital – is it possible to sell it?
What and how to spend maternity capital. Is it possible to sell a certificate for maternity capital and how to do it. Clear schemes from smart women.
In this Law on Additional State Support for Families with children, the clear terms and procedures for obtaining a certificate, as well as the transfer of funds, which are secured by maternal capital. In the same document, many options for the target use of funds are provided, with the prohibition of full cashing of the amount, sales and gift of the certificate to another person. What documents should be collected for maternal capital?
Use cash «Capital» Perhaps in three years, there are also cases when it is possible to use funds before. The upper limit of the use of funds contained in maternal capital is not limited – they can be used as needed, spending, for example, to the formation of a child. All The amount of maternal capital, which remains unused during the entire period of action, indexes proportionally inflation automatically – for this you do not need to receive a new certificate or bring additional documents to the Russian Pension Fund.
So, the funds that make up maternity capital can be spent on the following purposes:
- Acquisition, Housing Construction, Enhancement of the housing.
- Education all children or one child.
- Payment of preschool institution (municipal, state garden), schools.
- Accumulation of pension for mum.
- Obtaining cash one-time Payments 15 thousand rubles.
Consider each embedding of cash in more detail
All options for solving housing issues for funds «Maternal capital».
Since this option is the investment of money of happy certificate owners is most popular, it is always considered priority.
Options for solving the pressing housing of a young family:
- Construction or purchase of a house, apartments, Any residential premises.
- Payment of the contribution when making a mortgage on housing, loan design, loan.
- Payment of debt, percentage of mortgage, loan, loan for the purchase, construction of housing.
- Payment share in the construction of shares.
- Entry payment (Housing, Construction Cooperative).
- Payment of construction or reconstruction of individual housing (with contract construction organizations; without contracting organizations).
- Payment of compensation for all costs for construction or reconstruction Housing (owner of this certificate).
Important use of this embedding of cash «Maternal capital» – housing should be purchased or built in Russia.
In order to properly arrange and collect the necessary documents, submitting an application for the use of the amount «Capital» To solve a housing issue, it is necessary to take a list of additional necessary documents in the pension fund separation, which depends on the selected option from the above.
Education on maternity capital
At your request, the recipient «Maternal capital» can send cash to pay for the training of one child, or all children in the family. As in all other use options, «capital» can be used in parts, as needed, out of time limit.
Options for using maternal capital for children’s education:
- Training of a child, children in municipal, government institutions of education.
- Training of a child, children in non-state educational institutions, who have State accreditation, license on educational services.
- Payment of hostel from the educational institution during the teaching of the child.
The condition for using this cash investment option «Capital» – Establishment of education, in which the child will be trained (children) must be on Russian territory.
To undergo training with payment of money from «Maternal capital», The child must be no more than 25 years at the beginning of training.
In order to apply For payment of services Education For a child, the applicant must have Additional package of documents:
- Treaty, enclosed with educational institution for the provision of educational services.
- License For the right to establish education to carry out educational activities.
- State Accreditation Certificate This institution of education.
When making an application for paying a hostel from education institution for a child needed additional documents:
- Treaty on hiring In the dormitory of the residential premises (indicate the delivery time, amounts).
- Help from education institution, which confirms the fact that the child lives in a hostel.
Failure for kindergarten, schools for maternity capital
This use of funds secured «Maternal capital», became possible since 2011. This type of money investments can be used when the child is already performed for three years. Money goes to the accounts of the chosen organization after submitting an application in the Pension Fund in two months. Paying bills for kindergarten Pension fund will be regularly, in accordance with the Treaty. If the cost of the child’s content is changed, or the payment timing is changed, the applicant must be brought to a new statement to the pension fund, in which to clarify the schedule of fees to payments, and they will enter the accounts of the institution for the new scheme two months after this statement.
Important condition – Pre-school institutions of education or school, which are paid by means of «Maternal capital», Must be sure to be on Russian territory.
To the model package of documents for the disposal of cash «Maternal capital» The applicant must attach additional documents:
- Contract concluded with education institution, which indicates the obligations of this institution for the provision of educational services to the child and its content, as well as the terms and amount of payments for services.
Mom Pension on Maternity Capital Cash
Cash that provide «Maternal capital», Can be directed to the accumulation of pension for the woman itself (the so-called storage part of the pension). An application for such a choice of cash spending can be submitted to the separation of the Russian Pension Fund, or, on the choice, to the non-state Russian Pension Fund (Private Management Company). Such a solution The woman has the right to subsequently cancel if the pension is appointed to her.
Special documents for registration of the accumulative part to the mother’s pension, there is no need to apply (only a typical statement of the woman itself).
Payment of cash (15 thousand rubles) from maternal capital
Until 2010, families had the opportunity to receive twice from «Maternal capital» Cash amounts twice (12 thousand rubles). Later, in 2011, this additional use option «Capital» did not act. Consideration of amendments to the law on cash payments of 10 thousand rubles from cash «Maternal capital» It should have been held in the fall of 2012, but he was postponed for 2013. Currently, the adoption of this decision is expected.
What you can not spend the cash of maternal capital»?
- For the training of a child in educational institutions outside Russia.
- For resting and traveling.
- On the maintenance of the baby in private institutions of education; For nanny services.
- To pay for a car loan, to buy a car (in some regions of Russia it is possible to buy a car of Russia for the funds of regional «Maternal capital»; This is necessary to ask in the department of the Pension Fund of Your Area).
- «Maternal capital» You can not cash and sell!
Use of cash provided by maternity capital in special cases
Sometimes in the life of the family there are special cases in which additional explanation of the rules for the use of funds are needed «Maternal capital».
Maternity capital is to do if the child died?
Currently, the parents of the kid who died for one reason or another during the first week after birth, in the registry offices are not a certificate, but the birth certificate, which gives them the right to receive a certificate «Capital» In the usual order. If the first or second child died, the family has the full right to receive money «Maternal capital» On the general basis, and use them according to the designated scheme – no earlier than three years, ranging from the date of birth of the second kid.
Deprivation of parental rights of the mother (mother’s death)
If the mother of the second child died, or she was deprived of her parental rights, then cash «Maternal capital» has the right to dispose of the father.
Deprivation of parental rights of both parents (the death of both parents; lack of father in children)
If children do not have a father, or he also deprived parental rights, then the amount of funds secured «Maternal capital», Porovna is divided between all children (minor). While children were not 18 years old, cash «Maternal capital» May be sent to pay for education, the housing of children of their guardian, but it can only do this with confirmation of his actions in the custody bodies.
