At present, Russia is introducing various programs to support young families in order to stimulate the inhabitants of our country to give birth to more children and thus improve demography. One such program is maternity capital. The bottom line is that after a second child was born or was taken from an orphanage, families receive a certain amount of money for each baby. Many people have a question whether it is possible to use regional maternal capital and how, in fact, to do this. This is what will be discussed in this article. It is worth noting that in some republics, regions, territories and districts the amounts vary, but here we will talk about the Moscow region.
Basic data on regional maternity capital in the Moscow region
At the moment, the extension of the regional maternity capital program in the Moscow region has not been carried out for 2017. This means that it is this method of support that can be provided to families who have second and subsequent children from January 1, 2011 to December 31, 2016. That is, you still need to know how to use regional maternal capital in the Moscow region.
There are additional conditions for participation in this state support program. Firstly, a child must be a citizen of the Russian Federation. Secondly, the parent of the child must be registered (that is, have a residence permit) in the territory of the Moscow Region. At the same time, it is not necessary to have Russian citizenship.
Moreover, of course, some documents are needed to receive the payment. This is a parent's passport and proof of registration in the Moscow region, a birth certificate or adoption of all children, as well as a certificate of marriage or its dissolution. If the application is submitted by the father or adoptive parent, an official death certificate, a document confirming the deprivation of parental rights or a medical certificate of the mother’s incapacity must be submitted.
There are some changes in the Moscow region, which are also due to the introduction of this program. In recent years, the birth rate in this region has increased, and, accordingly, the natural decline in the population is decreasing. It cannot be said that this is only the merit of maternal capital, but it is clearly an excellent incentive to give birth to a second or even third child, because most often people are afraid that there will not be enough money for children, that they will have close or simply nowhere to live.
More about the money itself and the amount
At the moment, the amount of this payment is one hundred thousand rubles. At the same time, regional maternal capital in the Moscow region can only be used in the form of cashless payments, that is, it is impossible to receive money on hand. During the existence of the program (since 2011), the amount has not changed, since such payments in Russia are not subject to indexation.
A certificate with an individual number is issued in the hands of the parent or legal representative. Then it is realistic to use regional maternity capital as compensation for the purchase or construction of housing, its reconstruction, as well as for the education of a child. This happens by transferring funds to the money account of the applicant himself or the organization (for example, a bank, university or construction company), which funds are relied on for goods or services.
Where and how do you get this support method
To obtain a certificate for subsequent payment, you must contact your local social security authority. You can do this through a multifunctional center (abbreviated as: MFC), for example, “My Documents”, or online through the Unified Portal of Public Services of the Moscow Region. Then you need to write a statement on the spot and wait for the result.
A separate application is also written for the use of the certificate. The decision to satisfy the application is made within fifteen days if the funds will be directed to education. If for housing, then for forty-five days.
Can only a mother of a child qualify for funds
In fact, not only the mother of the child can receive maternity capital. If the mother is absent for one reason or another (she has died, is incapable, is deprived of parental rights), then the father or the adoptive parent receives the funds. However, now a man can get money if the mother lives with the child and has all the rights to him, because the money is somehow intended for the whole family. In addition, even minor children can receive maternity capital if the mother and father die or have been deprived of parental rights, or have been recognized as legally incompetent, or simply their whereabouts cannot be established. Children may wonder how to use regional maternity capital, do they have the right to do so? But there is definitely a right.
Where and how to spend maternity capital legally?
So how to use regional maternity capital? Basically, these are two areas of spending: improving living conditions or educating a child. You can repair your place of residence, that is, send funds for construction or reconstruction. Moreover, reconstruction is a new arrangement of residential premises and a mandatory increase in its area. If the construction is carried out on their own, then the funds for the costs are transferred to the applicant’s card, but not all at once: half will come after the application, and the second half in six months.
You can also buy a share, an apartment or a house (or pay part of the living space). There is a condition that the premises purchased with the funds received must be shared among all family members, that is, everyone should have a share in it. Also, accordingly, it is possible to pay for a child’s education (basic or higher), if he is less than twenty-five years old at the beginning of his studies. This information generally answers the question of where regional maternity capital can be used.
Under no circumstances should the allocated funds be spent
Many people wonder where it is impossible to use regional maternal capital. Actually, it is forbidden to spend maternity capital on all other goods and services. For example, you can’t buy a car (even a child) or other things. It is also impossible to buy an apartment and arrange it only for one person (even for a child again). Also, you can’t buy an apartment or a smaller house, as the child needs extra bed.
Is it possible to take a mortgage or a loan from maternity capital?
Many are afraid to use regional maternity capital for a mortgage, but in fact it is absolutely legal. Of course, a loan or a mortgage must be taken for cases that are consistent with the conditions for spending capital. That is, they are issued for the purchase of housing or payment for the education of the child. This is more often housing, because in Russia the practice of assigning loans for training is rare. It is also worth noting that it is possible to use regional maternity capital as a means of paying out a mortgage only after the child’s three-year anniversary, for which the funds were allocated. However, if the loan needs to be repaid urgently, because the deadlines are already running, it is realistic to do so before the child reaches the age of three.To do this, you need to contact the social security service, where you received a certificate, and provide them with all the necessary documents confirming that the loan must be paid urgently, as well as that it is no longer possible to renew.
What are the pitfalls for participants in this program
Today, almost every family has a second and even a third baby, because children are happiness, but, as you know, babies require not only a lot of attention, but also money. Our state has long been thinking about this problem. This program is quite “clean”, that is, usually there are no problems. The most important thing is to collect all the necessary documents that must be genuine, of course. If you comply with all conditions of receipt and use, then no problems arise. The only thing that can be called some difficulty is that many informal and not very honest organizations publish various announcements about the allegedly legitimate cashing of the certificate or its use not to improve housing or pay for the education of the child. You can not give in to this, even if the proposal may seem tempting, because these organizations will also take payment for their services. In addition, such use of maternity capital is punishable by law. And first of all, problems will arise with the certificate holder.
How to report to the state about their spending?
The undoubted advantage of this program is that it does not require any additional expense reports, because the use of a certificate is such a report. That is, all information on use is already transferred to the state, because everything is carried out only officially, through the relevant social services, and only after the conclusion of all agreements with those who supply the goods or services for which the funds are directed.
So, now it’s clear how to use regional maternity capital so that everything is in accordance with the law. Apparently, this is not difficult. It is good that in the country there are such supportive programs that really help young families to live better.