Take out a loan for maternity capital in cash in Moscow

Maternity capital for 1 child

Such government assistance is mostly designed for young families where both parents have just started working or have not yet completed their studies. Support in connection with the birth of their first child is provided to citizens who fulfill the following conditions:

1. Each family member receives a share of income not exceeding one and a half subsistence minimum. The indicator covering the working population in a given region is taken into account.
2. The child received official citizenship of the Russian Federation.
3. The child was born after January 1, 2020.

The rules apply equally to adopted children.

The difference between benefits and other types of payments is that they are transferred monthly in equal installments. This continues until the child is 1.5 years old.

This scheme also applies to benefits for the birth of a second child, starting in 2020.

The size of benefits is controlled differently by different regions. After all, the calculations are based on the cost of living applicable for certain territories. The average approximate size for the country is 189 thousand rubles.

Payment amount

The amount of monthly compensation this year will be equal to the child's subsistence level for the 2nd quarter of 2020. It depends on the location of the subject of the Russian Federation. For example, for residents of Moscow it is 15,225 rubles.

Amount of payments by regions of the Russian Federation (to view the table, click here):

Read also: How you can use maternity capital funds

About maternity capital for 2 children

453,026 rubles - this amount was valid for 2020 when families received assistance from the state where they gave birth or adopted a second child. The right to issue a certificate is reserved for the following citizens:

• Legal representative if something happened to the parents.
• Fathers of children, if mothers have died, are deprived of parental rights. The situation is not affected by citizenship or marriage.
• The one who handled the adoption of the second child.
• Russian citizen who gave birth and adopted a second child.

Close relatives, guardians and adoptive parents cannot receive money if everything is in order with the real parents.

The concept of family capital and categories of recipients

Maternity capital is money allocated by the state from the federal budget to support families with children. The body that decides on the issuance of funds and verifies the legality of their use is the Pension Fund.

Only children, citizens of the Russian Federation, give their parents or adoptive parents the opportunity to use state money to solve vital problems. Who is eligible to receive family capital:

1. A woman who has had a second, third, etc. child.
2. A woman or man who adopted a second, third, etc. child. In this case, the man must be the sole adoptive parent.
3. A minor child or an adult under 23 years of age if he is a full-time student in an educational organization. Children receive the right to maternal capital if the rights of the mother, father, or adoptive parent are terminated.

The born child, mother and adoptive parents must have Russian citizenship. The exception is a man who, under certain circumstances, acquires the right to maternal capital for the following reasons:

• death of a woman (mother or adoptive mother);
• deprivation of her parental rights;
• committing a crime against your child;
• cancellation of adoption.

In these cases, the owner of the certificate becomes the father, who may not be a citizen of our country. If there is no mother, father or adoptive parent among the applicants, then the recipient of the money will be a child under 18 or 23 years of age.

If a woman has lost the right to receive capital for the reasons stated above, and the man is the stepfather of a previous child, then he will not be able to count on state assistance.

The applicant's place of residence does not affect the receipt of the certificate. You can only get it once. That is, if after the birth of your second child you have already taken advantage of state support in the form of maternity capital, then you will no longer be able to do this after the birth of your third.

You can apply for a certificate at any time. Not necessarily immediately when the second or third child appears in the family. You will be able to use the amount due only after 3 years. But there are cases when you do not need to wait for a three-year period:

• making a down payment on a mortgage loan;
• repayment of mortgage debt;
• purchasing goods and ordering services to support a disabled child, his adaptation to life in a society of healthy people;
• payment for preschool education services (private kindergartens);
• receiving monthly payments for low-income families.

For 2020, the amount of maternity capital is 435,026 rubles. This amount has been established since 2020. It will not be indexed until 2020. Some people delay obtaining a certificate, hoping that the amount of assistance will increase. This is not at all necessary. The amount for each recipient will be determined not at the time of registration of the personal document, but at the time of its use.

Financial assistance in the case of a third child

They receive money if certain conditions are met:

1. Money is issued if the family has not previously exercised its right. For example, when the third appeared after the previous two were adopted or born, before 2007. Or when the right was not used after the birth of the second child.
2. Sometimes the birth of a third child entitles you to additional regional compensation. The procedure for use and registration is independently regulated by local authorities.

The rest of the rules apply the same as in previous cases.

Regarding cash payments from maternity capital

Lump sum payments were considered the traditional way to receive money before 2020. But recently changes were made, after which cash payments became available. They apply only to families in need. It is worth considering other nuances related to resolving the issue:

• The main criteria include the level of average per capita income per family. It is important that it is no more than 1.5 times the subsistence level in the region.
• Monthly cash payments for each child are made in the amount of the standard subsistence level.
• Payments are received only for the second child born recently. The money is transferred until the baby turns 1.5 years old.

What else can you use your help for?

Among the main target areas are the following expenses:

1. Entrance or share fees for cooperative construction.
2. Payment for a shared construction agreement.
3. Repayment of principal or interest on the loan.
4. The first payment for processing loans with credits.
5. Compensation for the construction and reconstruction of a house.
6. Construction itself, reconstruction.
7. Buying a home.
8. Preschool education of children.
9. Accommodation in a hostel.
10. Training using paid educational programs.
11. Mother's pension.
12. Monthly payments.
13. Adaptation of the social plan of a disabled child.

Buying a dacha for capital

Positive decisions by the Pension Fund in this regard are not that uncommon. The following qualities are important for a home:

1. Possibility of registration.
2. Obtaining an individual address.
3. Documents issued for residential premises.
4. Suitability for permanent, seasonal residence.

Dilapidated and dilapidated housing is not allowed in such transactions. Communications and other amenities for permanent residence must be present inside.

The requirements apply to real estate at the expense of maternal capital funds equally.

You can buy houses in rural areas: features

Not every house is legally considered a full-fledged real estate property. It is not enough to purchase a building with a roof and walls to fulfill all the conditions of the program. Living inside should be comfortable for the owners. This is especially true for children.

If a house is purchased with family money, the following requirements are imposed on it:

• Wear within 50%.
• Electricity, water supply and sewerage.
• Heating system operation.
• An individual housing construction project with official status.
• Location within the state.

The law prohibits the purchase of houses in disrepair, or if they require major repairs.

There are no geographical restrictions regarding houses in the village. If a locality allows you to register, it has all the amenities - there are no other grounds to refuse the transaction.

Any purchase option is discussed individually with representatives of the Pension Fund. They provide information about existing programs related to maternity capital.

Illegal schemes

On the Internet you can find dozens of advertisements where they promise to legally cash out maternity capital. For this, different schemes are used. For example, a fictitious purchase of housing from close relatives. Or they enter into an agreement to buy an apartment, take capital funds, and then break this agreement.

“If parents or other persons who have registered maternity capital cash out money in any way, they become accomplices in the crime and bear criminal liability for this,” clarifies Yuri Kapshtyk. — In practice, there are schemes where maternity capital funds are raised under the conclusion of a fictitious share participation agreement. But everything depends on the participants in such a scheme. Any equity participation agreement is subject to state registration, and the legality of the actions of each party will be checked. In addition, buyers are required to provide a certificate from the Pension Fund confirming their consent to such actions. If the transaction is illegal, the Pension Fund will not provide supporting documents.”

There are cases when a family is forced to withdraw money to purchase housing. For example, when maternity capital funds were used to purchase an apartment in a building under construction, and the developer froze the property. In order to prevent the money from burning out, parents can terminate the contract with the developer and demand a refund of the amount. In such situations, the pension fund takes the side of the families, but they will still have to prove why the contract needs to be terminated and where the money will be sent.

About new programs, prospects for using money from maternity capital

The effectiveness and prospects of maternity capital have been proven; it is a successful tool for improving the demographic status in the country. There is a high probability of introducing new methods and directions for using subsidies in practice:

1. Technical means for children with disabilities.
2. Payment for services of sanatorium and resort institutions.
3. Appliances, furniture, other durable goods.
4. Personal farms and their development in the case of rural residence.
5. Money for healthcare needs.
6. Buying a car.

In some regions, certain items on this list have already come into effect.

Features of regional maternity capital

In most cases, financial assistance is paid to families with two or more children. For second children, money is transferred at the federal level. That is, when the second appears, federal capital is used, and when the third and subsequent ones are born, regional capital is used. Such support improves financial condition.

But we must remember that one family retains only a one-time right to maternity capital.

There are only a few requirements, most subjects have the same ones:

• Implementation for specific goals when a specific time has passed.
• 100-200 thousand rubles is the total amount of assistance.
• Parents must live in the region for a certain period of time.
• The law was in effect by the time the second and third child appeared.

The directions of implementation are standard and remain the same as for the federal level. When applying for a certificate, be sure to prepare the following documents:

1. Everything related to a specific area of ​​use.
2. Birth certificates.
3. Application for the sale of maternity capital.
4. Civil IDs.

What is the best way to spend maternity capital in 2020?

Each family has different priorities and parents can, at their own discretion, manage the amount of maternity capital in the areas specified by the state. But there are the most profitable ways to use money.

“In my opinion, the most profitable way to spend maternity capital is to invest it in real estate,” comments lawyer and mediator for family disputes Yuri Kapshtyk. — This is the most established unit, a reliable investment. When you buy a home using maternity capital, you have a property asset that can be improved in the future by adding a certain amount.”

The amount of maternity capital is the same for all Russians and is determined only by the number of children in the family. But real estate prices in the regions are different. If for Moscow the amount of 600 thousand rubles will be only a tenth of the total cost of a spacious apartment, then in a small city this money can pay for half the cost of housing.

“There are no established requirements from the state for living space purchased for this money,” continues Yuri Kapshtyk. - This can be primary or secondary housing, a private house, even in dilapidated condition. If parents have the strength and desire to improve this house, complete it, create good living conditions for themselves and their children, this can be done.”

Foreign citizens who have received citizenship

Citizenship is always a requirement to receive assistance. Exceptions are made only in certain situations. This means that applicants for such support cannot be foreigners only with a residence permit, or those permanently residing in the Russian Federation.

Situations with citizenship assigned after the birth of children are common. Then they proceed to sending documents for certificates. The prosecutor's office will most likely assign the status of invalid to such procedures.

How to apply and what documents are required to obtain a certificate?

After a second or subsequent children have been born or adopted into a family, parents must contact the registry office to obtain all the necessary documents for the child. After completing the documents, you should contact the Pension Fund at your place of residence and write an application for a certificate. The following documents must be attached to the application:

1. Russian citizen passport.
2. Certificates: pension, insurance (SNILS) of the applicant and his children; about the birth of the person making the application; about marriage; about the birth of children.

You can submit your application in several ways: bring it in person or send it by mail. Recently, it has become possible to apply for an MK using a single portal of government services (www.pgu.mos.ru) via the Internet, which, of course, makes the task easier for young parents and reduces the time spent visiting government agencies.

After submitting all documents to the Pension Fund, its specialists will review your application within a month. After the review period has expired, a decision will be sent to you in writing. If the decision is positive, you will be notified. where you can get a certificate. Usually this is the same district PF department where you submitted your documents.

Registration procedure: basic rules

A mandatory step is submitting applications through the Pension Fund. To do this, use one of the following methods:

• State services – a single information portal.
• Sending electronic documents through your Personal Account.
• Contact the MFC branch.
• Branch of the authority that controls the place of residence.

Electronic versions of applications are processed the fastest - notification of acceptance arrives a maximum of a day later. This message indicates the date when the papers were transferred to the Pension Fund. No more than 5 days should pass from the date of submission of the application before this issue is resolved. Failure to comply with the requirements results in suspension of consideration.

Issuing notification receipts is the next step if no problems have been identified. They write the time of receipt of documents and the registration number. There are several transfer methods here:

1. In the form of an electronic document. Usually they use the State portal.
2. Sending by mail.
3. In person, during a personal visit to one of the offices.

The Pension Fund is given 15 days to make decisions. If the application was submitted through the MFC, the response is sent to the regulatory authority after a maximum of five days.

The following circumstances will lead to refusal to obtain certificates:

• Inaccurate information regarding the citizenship of children, order of adoption or birth.
• There is no right to maternity capital. Or at the time of filing, after this time the citizen lost it.

If the documents are not submitted in full, decisions are suspended until the citizen corrects the identified errors. The date of suspension and period of validity are described in the notification sent to the citizen.

What is needed to receive maternity capital at the birth of twins

An interesting point is when twins are born in a family, which suggests the need to increase living space. It is especially interesting if there were no children in the family before, that is, in fact, this is the simultaneous birth of the first and second child. In this case, you can obtain a certificate for maternity capital when certain requirements are met:

• The birth of twins occurred between 2007 and 2018 inclusive;
• The family has no other children or has not previously received social assistance;
• The intended purpose of the certificate will be aimed at purchasing housing, increasing maternal pensions, and children's education.

In order to receive state financial assistance, the mother of the child, his father or himself, depending on the previously agreed upon situations, submits an appropriate application to the Pension Fund. The application form can be obtained at the place of submission of documents.

The amount of financial assistance for twins is no different from the amount for the birth of one second child. A family can also use a certificate for twins three years after their birth, if we are not talking about paying interest on the mortgage. In the latter case, you can use maternity capital earlier.