Today, citizens who have a second or subsequent child in their family have the opportunity not only to receive a number of benefits and maternity capital accordingly, but also even cash out some of it.
This is very relevant, especially during the reigning modern economic crisis in our country.
Let's consider how to receive and cash out 25 thousand from maternity capital, who has the right to a lump sum payment, and what rules should be followed in order to receive cash in your arms.
Legislative acts
Law 181 of June 23, 2016, which was adopted quite recently, tells us about a new lump sum payment, which is awarded to citizens in the amount of 25,000 rubles.
This law came into force on the day it was signed.
This is a new measure for short term has become very popular among all Citizens of our country who fall under the maternity capital program. Before the law came into force, young families could also receive a one-time payment from the funds of the state support measure under discussion, but in the amount of 20 thousand rubles.
Today, this amount has been increased due to the fact that a difficult situation has arisen in the economy of our country, and young parents are sometimes unable to provide themselves and their child with everything they need.
All aspects related to increasing the amount of a one-time payment, as well as issues of obtaining these funds, are contained in Law 181-FZ.
If you have questions regarding how to get it, then you need to turn to Law 256-FZ, which talks about the main world of state support for the population, including the one that interests us.
When can I withdraw 25 thousand from maternity capital?
When can I get 25,000 from maternity capital? Can I withdraw this amount, you ask?
Any parent who has the appropriate certificate can count on the payment.
The law has come into force, and now any citizen who is the parent of a second and subsequent child has the right to receive payment. Applications begin to be accepted on July 1, 2016.
It doesn’t matter at all that you once already received 20,000 rubles in a lump sum payment format. The receipt of these funds was determined by the law in force at that time, which today has lost its relevance. Is it true that you can still get 250,000 from maternity capital?
Receiving a new one-time payment is not prohibited, even if you have already received 20 thousand rubles before.
Read about whether it is possible to receive 25,000 from maternity capital a second time.
Also, contrary to popular belief, you do not have to wait a certain period of time to receive this money. Parents can receive funds at any time after the birth of a child; they just need to prove their right to these actions and present a certificate. We will look in more detail about how to get maternity capital of 25 thousand below.
Who has the right to cash out part of the certificate?
How can you get 25 thousand rubles from maternity capital? Who has the right to receive funds from the support measures provided by the state?
This opportunity is available to families who have received the right to maternity capital in connection with the adoption or birth of a second or subsequent child.
Besides, this rule valid for those who carried out the above action before September 30 of the current year.
If someone has not spent maternity capital funds in in full then this rule applies to them too:
- If the amount in the account is less than the one-time payment, then you will simply be paid the remaining funds.
- Pension fund reserves the right to refuse families if there is some doubt that the lump sum payment can be issued.
- Refusals are received by those families in which the applicant is absent or has lost the right to receive maternity capital.
- The refusal also applies to those families where parents have been deprived of parental rights.
- A refusal can be received after it turns out that the funds on the certificate have been spent, and citizens demand more.
- For those who already received a one-time payment in 2016 and want to receive it again, it will be denied.
- If we look at the statistics, then out of the entire mass of people who have the right to receive a one-time payment from maternity capital, 70 percent of citizens apply for it.
According to pension fund employees, this is due to the fact that many citizens simply do not know how to get 25 thousand from maternity capital.
How to get 25 thousand from mat. capital: step-by-step detailed instructions
In order for you to withdraw 25 thousand from maternity capital, the state provides you with several options where you can turn:
- The first option is to contact the Pension Fund branch, which is located in close proximity to your place of residence or stay.
- Also, you can contact one of the departments of the multifunctional center.
- In addition, today it is possible to apply for payment to the Pension Fund by mail, in a letter to which a self-completed application and copies of documents are attached.
- Also, those who easily have the ability to use the Internet have the opportunity to access the Pension Fund through.
Before receiving 25 thousand from maternity capital, citizens collect the relevant papers, which include a passport and copies, certificates, and also need to provide an extract of the funds spent, and draw up an application for a one-time payment.
The last document is the most important, as it includes basic information about the applicant and his family, and is also retained by Pension Fund employees for many years.
Be as careful as possible when drafting. This document clearly regulated by law and must be drawn up in accordance with the model.
You can take a sample on the Pension Fund website, by contacting the Pension Fund office in person, or simply search on the Internet.
You can fill out the paper either yourself or in the presence of Pension Fund employees. Remember that a properly drafted application will save you a lot of time.
The question of how to withdraw money from maternity capital in 2016 interests many Russians. In this article we will try to analyze in detail all the intricacies of this procedure.
The Maternity Capital program was founded in 2007. Then, at the beginning of her work, the amount due under the certificate was 250,000 rubles. As a result of annual indexing, by the end of 2015 it had already amounted to 453,000 rubles.
The goal of the Maternity Capital program is, on the one hand, to encourage the desire to have more than one child in a family, and, on the other, to provide an opportunity to solve global family problems, including those related to housing, children’s education, and their socialization.
Funds of maternal (family) capital, or MSK , can be used exclusively by bank transfer and for very specific purposes, providing the necessary documents to the Pension Fund.
However, everything in life is subject to change, especially in conditions of a long-term, systemic crisis, which we are currently experiencing.
Times of crisis are characterized by deterioration financial situation population. The most vulnerable categories of citizens are most sensitive to it, which, of course, includes large families.
Therefore, the Russian government saw the need to support them financially, allowing them to receive some part of their maternity capital in cash, and use these funds for the current needs of the family.
As a targeted anti-crisis measure, it was decided to pay the amount of 20,000 rubles once a year. to the certificate owner, subtracting them from the total amount of MSC. In 2015, such lump sum payments were made.
There was already a similar precedent, when in 2009 and 2010 the right to cash out 12,000 rubles was granted twice. everyone who had a certificate for MSK.
Practice has shown that this money really helped families overcome financial difficulties, therefore, the current drop in household incomes, accompanied by rising prices, forced the Russian government to turn to similar measures.
At the end of 2015, in November, the government decided to re-pay families with children from MSC funds in the amount of 20,000 rubles. Law No. 88-F3 established such a one-time payment for 2016.
But already in March 2016, further events unfolded on the topic of MSK and cashing out part of it.
On March 1, 2016, Prime Minister Medvedev did not have time to approve the updated anti-crisis plan for current year, as his deputy, Olga Golodets, already on March 29, 2016 announced a change in plans regarding one-time payments to families.
It turns out that the government has recently been considering different options anti-crisis payments in the form of assistance large families. One of the options even provided for monthly payments of 5,000 rubles, but not to all certificate holders, but only to especially needy families.
However, it was decided to abandon this, as well as the previously planned payment of 20,000 rubles.
Final decision was that all families holding a certificate for MSK and living in the Russian Federation should be paid an amount of 25,000 rubles.
Moreover, regardless of whether the family managed to receive 20,000 rubles. at the beginning of 2016.
This measure was announced by Prime Minister Dmitry Medvedev during his report to State Duma deputies on 04/09/2016, and in early May the bill could be read on the official website of the Duma. The President of the Russian Federation signed the corresponding decree on June 24, 2016
The validity of the law is limited to December 31, 2016, and applications can be submitted until November 30, 2016 inclusive. This means that the family is subject to this law, provided that the second child was born before this date.
Back in 2015, the issue of a one-time payment of 20,000 rubles was being resolved. from MSC funds, a list of documents required for this was approved.
It included:
- application for this lump sum payment;
- document confirming the identity of the certificate holder;
- SNILS;
- certificate for MSK;
- banking information about details addressed to the applicant.
To receive 25,000 rubles. in 2016, the list of documents remained the same, but there were more ways to submit applications. Here they are:
The last type is the most convenient and fastest, especially since the application can be submitted either through the Pension Fund website, if open « Personal account insured person", or through Federal portal public services on the website gosuslugi.ru.
The period for consideration of an application for payment from the MSK is 1 month, the time is counted by Pension Fund employees from the date of registration.
If the decision is positive and the application is granted, then the money due for payment is transferred to the specified account within a month - as prescribed.
If payment is refused, then within 5 days (working days) from the moment the decision is made, information about the refusal is brought to the attention of the applicant. It arrives either to his postal address or in the form of an electronic notification.
That is, you have to wait 2 months for money, at least, those are the rules. In reality, it turns out to be three months, or even one and a half, as evidenced by thematic forums. Events happen most quickly if the information was given in electronic form.
The payment will be either the declared 25,000 rubles, or the balance of the MSK, if it is less than this amount.
Will it be possible to withdraw money from maternity capital in 2017?
The President of Russia extended the validity of Law N 256-FZ of December 29, 2006 for another 2 years, for 2017 and 2018. This means that certificates will be issued in the same way as in the previous 10 years, while the amount of MSK will remain unchanged for this period, equal to 453,026 rubles.
As for payments in cash, those who applied for this in November (or maybe October) 2016 will receive them at the beginning of the year. There is no information yet about the possibility of receiving payments for 2017.
Education of a child is one of the main expenditures of maternity capital. In Russia, school education is officially considered free, but in reality money is spent on textbooks and other things.
At the same time, the MSK program allows you to spend funds on the education of any child in the family, not necessarily the one in connection with whose birth (or adoption) a certificate was issued. And you can send him to study in anything educational institution Russia, be it a kindergarten, or a school, or a college, or a university.
As for the amount of MSC funds allocated for education, you can spend the entire capital on the education of a child (or several children), or you can spend only part of the funds, directing the rest to other purposes.
A child can study at the expense of MSK until he is 25 years old, no more.
In all these cases there are non-cash payments. Payments are made within the time frame and according to the current accounts specified in the relevant agreement concluded between the certificate holder and the institution within whose walls the child will study.
At the same time, not every educational institution may be suitable for financing training from MSC funds, but only one that fully complies with all the requirements of the program.
These are the requirements:
- an educational institution must be accredited by the state and work on accredited educational programs;
- he is allowed and has the right to provide educational services of the declared format and type;
- it may be state or non-state, but must be located on the territory of Russia.
That is, It will not be possible to educate a child abroad at state expense, namely, at the expense of MSC.
In order to attract MSK funds to pay for training, the relevant documents are submitted to the PRF. In addition to the main package, there must be an agreement for the provision of paid educational services; information about the institution’s accreditation and compliance with certain requirements is determined without the participation of the applicant.
If the child will live at a school, college or university, then a rental agreement for a room in a dormitory and confirmation of the fact of residence is required.
In other words, if we talk about the school, its services can be paid for with MSC funds. This applies to music, art and others, but only on the condition that the educational paid programs implemented during the training process are accredited, and the school itself is licensed.
Educational programs that meet the requirements of the Federal State Educational Standard are subject to state accreditation (federal state educational standards). These include the main school programs:
- From 1st to 4th grade, primary education is carried out within the framework of primary school;
- from 5th to 9th - basic education, or basic school;
- from 10th to 11th - secondary, or high school.
Since education in the Russian Federation is considered free, paid educational services provided by the school include the following:
- In-depth study of subjects.
- Tutoring.
- Training in additional programs.
But not all of them can be attracted to MSK, for the simple reason that state accreditation is provided only for basic educational programs. And additional programs are not subject to accreditation, and it will not be possible to attract MSK to finance them.
Parents usually place the main emphasis on providing their children with a higher education at the expense of MSK, since studying at a university really requires substantial expenses.
But even earlier, in kindergarten and at school, it is possible to give children more if they wisely use the capabilities of the Maternity Capital program.
Maternity capital is a state support measure in the amount of 466,617 rubles in 2020, provided for families in which a second (or subsequent) child was born after January 1, 2007. To receive a certificate, two main conditions must be met: the birth (adoption) of a second or subsequent child during the program period and the presence of Russian citizenship for the recipient and the child.
On January 15, 2020, Vladimir Putin, during his annual address to the Federal Assembly, instructed to make important changes to the maternity capital program:
- introduce maternity capital for the first child;
- extend the maternity capital program until 2026 inclusive;
- increase the amount of maternity capital for the second child by 150 thousand rubles.
All changes are planned to be introduced from January 1, 2020. Moreover, families that already have a first child will receive maternity capital in an increased amount upon the birth of the second child.
The rules for registration and disposal of maternal capital are established by Federal Law No. 256 of December 29, 2006. Its amount has not increased since 2016, its next one will pass in 2020.
Who is entitled to maternity capital?
According to Art. 3 of Law No. 256-FZ, if all are observed, obtain a certificate for maternal capital have the right:
Right doesn't go over to the father or adoptive parent if:
- He - stepfather for the previous child who was taken into account when becoming eligible for a certificate;
- after the death of the mother, the child was recognized as remaining without parental care.
Parents and adoptive parents are deprived rights to maternity capital when:
- die or are declared dead by a court;
- are deprived of parental rights;
- commit a deliberate crime against the person of a child;
- the adoption of the child is cancelled.
Attention
Child(ren) is deprived of the right to maternity capital only in case of death (declared dead in court).
How to register maternity capital?
To get certificate for maternity capital, the person applying for it must apply to the Pension Fund with an application and mandatory documents:
- Russian passport or other proof of identity and place of residence;
- birth certificates of all children with a mark on Russian citizenship (if there is none, then another document confirming it is required).
In some situations it may be necessary additional documents listed below.
| Happening | Document |
|---|---|
| The child is adopted | adoption certificate |
| The application is submitted by a legal representative |
|
| Parent(s) or adoptive parent have lost the right to family capital |
|
| Place of residence is not confirmed by registration | documents confirming your actual place of stay. |
If a family applying for maternity capital lives abroad, parents have the right to submit an application and documents directly to the Pension Fund on the territory of the Russian Federation.
Attention
You can apply for a certificate at any time after the right has arisen - including after completion of the program, if a child appeared in the family while she was acting.
You can contact the Pension Fund using one of the following: established methods:
- To the territorial branch of the Pension Fund:
- in person or with the help of a representative;
- send certified copies of documents and an application by post.
- To the department of the multifunctional center (MFC).
- Through electronic resources(statement only):
- citizen’s personal account on the Pension Fund website;
- single portal “State Services”.
If the applicant applies via the Internet, then within 5 working days from the date of registration of the application, he must provide the remaining documents to the Pension Fund office, otherwise the issue will be denied.
Attention
The pension fund decides whether to issue a certificate or refuse the applicant within 15 days from the date of application. A certificate for maternity capital can be obtained in the form paper or electronic document.
In case of loss or damage, you can get duplicate by submitting a corresponding application to the Pension Fund.
In the registration of maternity capital there may be denied, If:
- right to it did not arise or was lost during the application period;
- information about the order of birth (adoption) and/or the citizenship of the child invalid.
What can maternity capital be used for?
In 2019, Part 3 of Art. 7 of Law No. 256-FZ, provides for the following presented in the table below directions use of maternity capital.
| Direction | What can you spend it on? |
|---|---|
| Improving living conditions |
|
| The residential premises must be registered as the common shared property of parents and children | |
| Getting children an education |
|
| The first, second, and any subsequent child - natural or adopted - can receive an education at the expense of mat capital. | |
| Mother's funded pension | Sending funds to:
|
| Purchasing goods and services necessary for a disabled child for social adaptation | Compensation for purchased goods and services included in the list established by Government Decree No. 831-r dated April 30, 2016. |
| Monthly allowance for a second child under 3 years of age | The family has the right to it if:
|
You can apply for an order later three years after the birth (adoption) of a child. The owner of the certificate has the right to submit an application earlier if the maternity capital is used for:
- payment down payment and/or repayment of principal and interest on a housing loan or loan;
- purchasing goods (services) that serve to adapt a disabled child to society;
- payment for preschool education and other expenses related to it;
- receiving a monthly payment for the 2nd child under three years of age.
Attention
Any attempts to cash out maternity capital illegal and are punished under Article 159.2 of the Criminal Code of the Russian Federation Fraud in receiving payments. The legal way to receive money from the certificate is to issue a monthly allowance for the second child (born no earlier than January 1, 2018).
As an anti-crisis measure to support families in 2015-16, the Government of the Russian Federation provided for the possibility of receiving lump sum payments from maternal capital funds: 20 and 25 thousand rubles, respectively. Apply for them in 2020 it is forbidden.
Changes in 2019
In 2019 there were a number of serious changes affecting the management of maternity capital:
- Started on March 29 Federal law No. 37, which introduced into Law No. 256-FZ a provision that now the Pension Fund will independently request information about suitability purchased residential premises for accommodation from local governments and other institutions.
- If maternity capital is used to build a house, the owner of the certificate now has the right to provide a construction notice to the Pension Fund.
- According to the changes, introduced by law No. 37-FZ, targeted loan or loan for the purchase (construction) of housing it will be possible to take only V:
- banking and non-banking credit institutions administrated by the Central Bank;
- credit consumer cooperative (CPC);
- Unified Institute for Development in the Housing Sphere JSC "Dom.RF".
- agricultural CPC.
- As established by Art. 1 of Law No. 205-FZ of 08/02/2019, from January 1, 2020, the monthly benefit for the second child will be paid until he turns 3 years. In addition, the income threshold will increase from 1.5 to 2 living wages for the working population.
On April 24, 2019, at a meeting of the Light of the Federation with Vladimir Putin, Valentina Matvienko proposed extend action of maternity capital until 2025. For now, the program runs until the end of 2021. Deputy Prime Minister Tatyana Golikova instructed the Ministry of Labor to consider the issue of extending the maternity capital program - the report must be submitted by March 1, 2020.
On May 30, 2019, bill No. 721208-7 was introduced into the State Duma, which proposed adding a new direction for spending funds: purchasing a car. However, it was rejected before the first reading.
If it were accepted, then certificate holders would be able to use maternity capital to purchase a car worth up to a million rubles, provided that it was produced in the Russian Federation, was not previously registered and, in addition to the driver’s seat, has three more passenger seats.
Russian President Vladimir Putin instructed the Government to consider the possibility of using capital for gas, water and sewerage.
In addition, under consideration in State Duma there is a bill No. 846971-7, which allows certificate funds to be spent on the construction of a residential building on garden plot, and bill No. 839769-7, which allows the use of maternal capital to pay for a kindergarten organized by an individual entrepreneur.
The Ministry of Construction has prepared changes that will affect the rules for using maternal capital for improvement living conditions. According to them, the funds from the certificate can be spent on purchasing housing through an escrow account.
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During the existence of maternity capital, the certificate could be cashed out four times. In 2009 and 2010, they were allowed to withdraw 12,000 rubles, in 2015 and 2016 they paid one-time benefits 20,000 rubles and 25,000 rubles respectively. Then any certificate holder, regardless of family income, could receive money and spend it on any needs.
This measure was introduced to implement the anti-crisis plan to help families with children. By the end of 2016 economic situation in the country, according to officials, has improved and payments have stopped.
Latest news
In 2017, the law on the payment of cash from maternity capital was repealed and certificate holders could only use it for certain purposes: improving living conditions, education or child health.
Since 2018, low-income families have been allowed to receive monthly payments from maternity capital as an additional benefit for caring for a child up to one and a half years old. The amount of payments is equal to the child's minimum subsistence level in the family's region of residence. In 2019, Putin proposed extending the payment period to 3 years and from 2020.
Therefore, there is no talk of new laws directly on cash payments from maternity capital.
How to withdraw cash
The only one legal way cash out maternity capital - receive monthly payments to low-income people.
To apply for such a benefit, the following conditions must be met:
- A child who gives the right to maternity capital must be born after January 1, 2018. This could be the second or third child (if maternity capital has not been received for the second and he has not yet three years). Certificates are not issued for the first child.
- The family must be recognized as low-income - the average per capita income of all family members should not exceed one and a half times the monthly subsistence level in the region (from 2020 - two times).
In 2019, the average amount monthly payments nationwide - 10,836 rubles.
If parents apply for benefits in the first six months of the baby’s life, the payment will be assigned from his birth. If the documents are submitted after 6 months, the benefit will be assigned from the moment the papers are submitted.
Is it possible to withdraw money for school?
Payments from maternity capital by the first of September for school uniforms and stationery are also not provided. Funds can be used to pay for children's education: kindergarten, school, college or university - this will be considered a targeted expenditure of money. You cannot simply ask for a benefit from maternity capital at the beginning of the school year.
In some regions, large or low-income families. The size of such benefits varies: Muscovites receive 10 thousand rubles, in Tambov - 7 thousand, in Yekaterinburg - 2 thousand.
It is better to check the terms of registration and the amount of payment in your city.
Based on the law “On additional state support for families with children,” which came into force in 2007, all families in which a second child was born acquire state support, called maternity capital.
For 2015, it is about 455,000 rubles, which is a pretty decent amount. That's why many parents are so worried about the question: how to get this financial assistance in cash? Actually, cashing out is the whole problem, since the number of legal schemes permitted by the state can be counted on one hand. This is why some parents often turn to scammers for help or try to “crank up” fraud with family capital themselves.
First steps to obtaining maternity capital
The most important point, worrying many parents is the fear of losing the right to such state support, in case of untimely application for it to the pension fund. But there is no need to worry about this, since no one can deprive parents of this right.
Documents for a certificate can be submitted after any period of time. True, a family can only use this right once.
Required documents
To obtain a certificate, the following documents are required:
- passport;
- children's birth certificates;
- court decision on adoption;
- certificate of pension insurance;
- documents confirming the citizenship of children.
With these documents, you need to go to the pension fund located at your place of registration, and draw up and submit an application there. If you cannot personally visit a government agency, a package of documents can be sent by registered mail. After one month, the applicant is entitled to receive a certificate.
Is it possible to cash out maternity capital?
It is unrealistic to receive money using a certificate in your hands. There are legal ways of cashing out, they are also called “white”, but the list of them is small, “gray” - which are at odds with the law, and “black” - which bear criminal liability.
Legal methods
If there is a need to improve housing conditions, you can safely use government assistance for the following purposes:
- acquisition, construction or reconstruction of residential premises, through non-cash transfers of funds to organizations, real estate sellers or banks (mortgages);
- construction or restoration of housing, carried out without outside help (independently). In this case, the funds are transferred to bank account one who carries out reconstruction or construction.
It is important to know that apartment renovation is not reconstruction. Reconstruction involves only the expansion of living space (some kind of extension or construction of a new floor).
If a person builds a house with personal funds, he can claim to receive 50% of the capital, and after six months receive the rest of the money. To use the funds, you must provide a huge package of documents, which will vary significantly depending on the chosen method.
It should be noted that the simplest, most popular and in demand today in a legal way operation of such state aid is the repayment of a loan or payment of a down payment on a mortgage.
Other legal methods:
- payment for the education of a child under 25 years of age in higher education educational institution. Moreover, the subsidy issued at the birth of a child applies not only to this child, but also to any other child in this family. And most importantly, capital does not depreciate over time; it is annually indexed to the inflation rate;
- payment for education in municipal, state, school and preschool educational centers that have proper licenses;
- increase in the funded part of the mother's pension.
"Gray" methods
These include fake home purchases from friends or relatives, when the purchase occurs only on paper. The former owner remains to live in this apartment, but the funds are returned only in cash to the owner of the certificate.
In principle, all formalities have been completed - the housing is registered as the property of the children. But the state has long been aware of this trick and therefore the question repeatedly arises of eliminating the possibility of carrying out false operations.
"Black" methods
All “black” schemes are associated with the purchase of housing using maternity capital. This is a trade in uninhabitable real estate, dilapidated houses, houses for demolition for the full amount of the subsidy, but not at the real price. In this case, the owner of the certificate receives part of the “laundered” money (minus real price real estate, plus payment for the services of scammers, which on average amount to about 40% of the cost of maternity capital).
The second way is a mortgage for the purchase of housing. It is very difficult to formalize it, in addition, reliable banks do not engage in any illegal schemes, so only scammers - agencies or fly-by-night real estate companies - can engage in this. The pension fund transfers money to their bank accounts, and for parents the risk in such cases is maximum. Often they receive nothing or at most 50% of the capital.
Maternity capital and the Criminal Code of the Russian Federation
Parents who are thinking about obtaining maternity capital should first of all not forget that certificate holders bear criminal liability for all illegal actions related to these funds.
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