Tip 1: What documents are needed to obtain a matkapitala

Jurisprudence

Tip 1: What documents are needed to obtain a matkapitala

Maternity capital is money,allocated by the state in the form of a certificate that provides material support for families in which the second or subsequent child was born. Each certificate is nominal and is issued only for a specific person. You can start the process of registering the parent capital right after the birth of the child in the closest place of residence of the Pension Fund of the Russian Federation.

Instructions

A set of documents for obtaining the mothercapital is provided for by the approved Article No. 5 of the Federal Law No. 256 and in Resolution of the Government of the Russian Federation No. 873 of December 30, 2007. These include a signed and standardized application, a sample of which is available in any branch of the Pension Fund; the original and a copy of the passport filling the parent's application; insurance certificate of the applicant; the child's birth certificate and the paper confirming the child's Russian citizenship (issued in the passport and visa service).

If the family wants to receive maternity capital onthe adopted child, it will be necessary to present the original and a copy of the official court decision that authorized the adoption procedure. And in conditions of obtaining a certificate of mother support not by the mother, but by another person (father, grandmother or grandfather, for some forced reason), you will need to produce an official document on the court's decision that allowed the person to do it. The latter is usually issued on the basis of an already held deprivation of the rights of one or both parents, a document on the death of one of the spouses or other papers.

So, the entire package of documents should be collected, onjust in case make a couple of copies of all the originals and take them to the nearest branch of the Pension Fund in the place of registration. At the same time, the state particularly emphasizes the fact that persons submitting false information or documents will be prosecuted by law. Also, any information (for example, a criminal record, a fact of an already completed deprivation of rights or other circumstances) is also discredited.

If everything is in order, then within a month the applicantwill be notified by the employee of the Pension Fund about the fact of issuing permission to receive the maternity capital certificate. And the latter can be issued only at the personal appearance of the applicant in the office where the documents were filed. It is impossible to transfer or change the person-recipient, but it is quite possible to send the certificate by registered mail, if the person applying for the application can not come to the Pension Fund personally.

Unfortunately, a refusal of extradition is possiblematernity capital. In this case, you will also receive an official notification from the Fund officer stating the reason for the refusal. In the future, the applicant can send an appeal with a complaint and complaint, and also challenge a refusal in the higher body of the Pension Fund or in the court.

Tip 2: What will be the maternity capital in 2014

For all future mothers and those who plan in 2014Addition to the family, the question of what the size of the parent capital will be, and also what changes are assumed in the program, are of particular urgency.

The program "Maternity Capital", aimed atsupport of young families and the stimulation of fertility, has been implemented since 2007. According to the program, the state provides monetary assistance to families at the birth of every second and subsequent child. The program has become very popular with citizens, just over 3 million certificates were issued during its operation. Despite the active discussion of the possible abolition of maternity capital this year, the government decided to extend the program until the end of 2016.

The amount of increase in maternity capital in 2014.

In order that there is no depreciationthe amount of maternity capital is indexed annually. In 2014, the amount of parent capital will be 429.41 thousand rubles. Growth in relation to the previous year - 5% (which corresponds to the expected level of inflation). In total, during the program, the amount of maternity capital increased more than 1.5 times, from 250 thousand rubles.

The amount of maternity capital by years: 2007- 250 000 rubles. - 276250 rub. - 312162 rub.2010 - 343 378 rubles in 2011 - 365 698 rubles in 2012 - 387 640 RUB 2013 - 408 960 RUB 2014 - 429 408 rubles.

For the payment of "maternity capital" is responsibleThe Pension Fund of Russia (PFR). It is important to note that if a part of the funds of the parent capital has already been spent before, the remaining balance is also indexed. For example, if you spent 20,000 rubles on the education of a child in 2013, then the remaining 388,960 rubles. are indexed by 5% in 2014.

What changes does parent capital expect in 2014?

In 2014 significant changes regarding the use of parent capital are not expected. As before, the maternity capital can be spent: - to repay mortgage loans; - for the acquisition (construction) of housing (only in the territory of the Russian Federation); - for educational purposes (until the child reaches 25 years old) - to increase the funded part of the pension (you have to wait three years).

At present, maternity capital can not be spent on repair and finishing works, the acquisition of a plot, the repayment of consumer loans, debts for housing and communal services, and medical treatment.

The only thing that should be expected this year,- is the introduction of amendments that allow to spend the matkapital on housing right after the birth of the child, without waiting for the child to reach the age of three. It is noted that the opportunity to receive funds will only appear in "trustworthy" parents. The State Duma also introduced a bill to create bank accounts for certificate holders (without the possibility of withdrawing funds) in order to receive interest from the capital. It is also planned to consider the possibility of sending capital to parents to receive education and to treat children. The bill, which provides for the payment of family capital for the first child, was rejected by the State Duma due to the lack of funds in the budget for these purposes.

Tip 3: Until when will the maternity capital program

Families with a second child orsubsequent children have the right to register and receive maternity capital. The government adopted such a law because of the demographic crisis in Russia, which came in the 90s of the 20th century. This measure is aimed at increasing the birth rate in the country and improving the demographic situation.

Instructions

The federal law on maternity capital was adoptedDecember 29, 2006 under the number number 256 "On additional measures of state support for families with children." And on January 1 of the next year the document came into force. The families where the second or third child and the subsequent children were born can get the matkapital if this right was not formalized before. The money is also received by parents who adopted or adopted children.

The parent capital law is valid until 31December 2016. But the parliament was already discussing the issue of extending the duration of the program and offered to continue to provide assistance to families until 2025. After all, such additional measures, which are aimed at improving the nation and increasing the birth rate, give a good effect. The certificate for Russian families has become an effective support, with the help of which they implement projects on improving living conditions, future pensions and education of children. Also in the meeting it was said about planning to edit some directions of the matkapitala. To spend means it will be possible on capital repair of habitation or on opening of own business.

In each region of the Russian Federation there is aadditional measures to help and support families. The so-called "regional or regional maternity capital" is assigned at birth in the family of a third child or subsequent children. Funding comes from the regional budget. Such a matkapital is aimed at stimulating large families and providing them with social support.

In 2007, the amount of maternity capitalwas 250,000 rubles. In 2014, the size increased to 429,408 rubles. In the next year, the amount of 450 878 r. You should know that the maternity payment is not subject to any taxes, there is no need to replace the certificate every year because of the change in the amount.

To formalize the parent capital should beapply personally to the Pension Fund at the place of registration or to a multifunctional center that provides municipal and public services. Also, you can send an application and copies of the necessary documents, certified by a notary, by registered mail. Soon it will be possible to send an application for a certificate via the Internet - through a specialized portal of government services.

Maternity capital is given to the family, parents, and not to a specific child, at the birth of which it became possible to receive a document. The certificate can be obtained only once.

Tip 4: How to choose a suitable mortgage

Different banks offer different mortgageprograms - directly eyes run up. How to choose the right credit offer so you do not overpay? Over the years, mortgage payments will run into a hefty amount, so you need to carefully analyze several proposals for various parameters.

Instructions

Interest rateThis should be paid specialAttention. The lower the interest rate, the less as a result you overpay. In principle, the annual interest rate in all banks is approximately the same and far exceeds inflation. However, you can find an advantageous option. For example, take advantage of the bank's preferential offers, in which you receive a salary or have a contribution.

Special OffersSpecial programs: for example, "Young Family" or "Young Teacher". Such lending programs are always cheaper, you can get a good idea. Find out which preferential programs exist in banks and whether you qualify for them.

Additional costs Please note that duringyou will have to pay additional fees and expenses. Among them: the transaction fee, insurance, account maintenance, the work of appraisers. In most cases, these costs can be minimized (with the possible exception of commissions). For example, to refuse the services of an appraiser and not to insure life.

Delays and refinancingLiving situationcan change dramatically. It is necessary to know in advance whether the bank provides a deferral and on what terms, whether it will be possible to transfer the loan to another bank or re-arrange it on other, more favorable terms.

Using matkapitalaNemalovazhnym looksthe issue of using maternity capital as an initial contribution or subsequent repayment. Some banks allow easy use of the matkapital, some - take a large percentage, some do not allow you to dispose of the matkapitalom until the child is three years old.

Co-borrowers and mortgagesExplain how muchco-borrowers are required for mortgage registration. Some allow you to attract in this capacity not only the spouse, but also parents, grandmothers, grandfathers and other relatives. Find out what will go as collateral and what will happen with the mortgage in the event that you can not pay the loan.