PFR maternity capital, what to spend it on? List of necessary documents to the Pension Fund (PFR) for paying off a mortgage with maternity capital Receiving money from the pension fund maternity capital.

Ways to obtain balance information

You can find out about the amount of remaining savings in three ways:

1. By contacting the Pension Fund in person;
2. Using the Public Services portal, as well as using online calculators;
3. Calculate yourself.

A statement of balance is an official certificate required by certificate holders at some financial institutions. To obtain it, you must contact the regional branch of the Pension Fund of the Russian Federation at your place of registration or stay.

Rules for registration and receipt of certificates

To grant the right to invest funds from maternal capital, a state-issued certificate is used. An application for extradition is submitted in person, through an authorized representative, or sent by mail.

To obtain a certificate of use of maternity capital from a pension fund, you first need to provide several documents:

• An application drawn up using a single form as an example;
• Passport proving the identity of the applicant;
• If there is one, a court order granting permission for adoption.

In a situation where one of the parents does not have Russian citizenship, you will need to provide a document certifying the child’s citizenship.

Method of obtaining

Certificate of use of maternity capital this happens in several ways:

• Directly at the local branch of the pension fund;
• By mail;
• Through specialized centers providing government services;
• In online mode.

Registration deadlines

The maximum time required to issue a certificate from the date of filing is 5 working days.

Validity period of the certificate

The certificate of residual funds is valid for 30 days after issuance by the State Agency.

Attention! Due to recent changes in legislation, the legal information in this article may be out of date!

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The state annually supports, allocating money from the Russian federal budget to create all the necessary conditions for a decent life.

The law on maternity capital and the state certificate for the acquisition of family capital came into force in 2007.

Over the course of 8 years, the amount increased taking into account inflation. In 2015, family capital is 453,026 rubles. Not all young families can receive this amount.

• Applicant's passport and birth certificate
• Birth certificates for second and subsequent children
• Marriage certificate
• Insurance certificate for children and the applicant.

If a pension insurance certificate for a child has not been received, it can be issued upon concluding an agreement.

If you remarry, you must provide the Pension Department with the main documents with a copy of the divorce certificate of the first marriage and a certificate from the registry office about the conclusion of the second marriage.

If it is not possible to personally go to the Pension Fund department, then an application for receiving family capital can be filled out at home, collected a package of necessary documents and sent to the department. In another case, if necessary, documents can be transferred through a proxy, having previously issued a power of attorney for their transfer to the Pension Fund department.

In case of loss of the provided maternity capital certificate, you can obtain a duplicate from the Pension Fund.

The pension fund reviews the application within 30 days, after which it makes a decision to provide or refuse to receive family capital. The fund informs the applicant of the decision in writing within 5 working days.

You can receive the certificate by mail or pick it up in person. You must have an identification document with you. The state certificate is issued once.

If maternity capital was issued after the birth of the second, then repeated assistance from the state at the birth of the third child is not provided.

After consideration of the application and a satisfactory decision by the Pension Fund authorities, the payment period for capital funds is carried out within 2 months. Capital can only be spent 3 years after the birth or adoption of a child. In some cases provided by law, funds can be used earlier.

Maternity capital: where and how to spend it

The funds received can be spent on education, improving living conditions, as well as accumulating a labor pension for a woman who gave birth or adopted a child.

Family capital can only be disposed of in the three sectors listed above. In this case, buying a new computer or TV or saving money for vacation will not work.

You cannot cash out a cash certificate, but on the Internet you can find many services for purchasing maternity capital. If you receive money in this way, you can receive a fine of 500,000 rubles. A transaction with scammers to cash out money for a small percentage is very doubtful and there are no guarantees for its successful conclusion.

To receive cash, you need to write an application, but the Pension Fund may refuse without explanation.

Most families spend the resulting family capital on loan repayments, as well as on building a house or apartment. In rare cases, the certificate is spent on a child’s education or payment for dormitory accommodation during their studies. Accumulative labor pension funds can only be used after reaching retirement age.

It is prohibited to use family capital funds in the following cases:

• Purchase land or summer cottages
• Buy building materials to renovate an apartment or house
• Repay loans for the purchase of various household appliances
• Pay off debts for rent and utilities
• Spend on treatment.

Funds can be spent in full or in parts depending on needs.

For all questions regarding the state certificate for young families, you can contact the Pension Fund of Russia or the multifunctional center for the provision of state and municipal services.

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The purpose of the appeal is to manage federal money to pay off the mortgage.

According to Federal Law No. 256, it is the Pension Fund that is responsible for transferring money from the maternity capital account.

You will need to make an appointment in advance and collect the required list of documents.

Once you submit them, you will need to wait 30 days. This is exactly the period the Pension Fund has to make a decision.

They will then mail you a letter to the address provided with the response. If your application is approved, the money will be transferred within 30 days.

List of documents for repaying a mortgage with maternity capital to the Pension Fund

You don't have to wait until your child is three years old to use government money to pay off your mortgage. You can do this immediately after receiving the certificate. To do this you will need a number of documents.

The list of mandatory documents to the Pension Fund for paying off a mortgage with maternity capital must include:

1. Applicant's passport.
2. SNIL of the applicant and children.
3. Statement.
4. An obligation to allocate shares to children in the loaned property.
5. Certificate.
6. Marriage and birth certificates.

Additional ones include:

1. Loan agreement.
2. An extract from the Unified State Register confirming the fact of ownership of this property.
3. Bank details.
4. Contract of sale.
5. Certificate from the bank about the balance of debt.

It is worth noting that each department has its own rules for processing certain documents. Basically, the differences relate to the bank certificate and the obligation.

The latter is issued by a notary and costs from 1 to 12 thousand rubles.

To save money and not have to pay several times, it is recommended to take a sample at the Pension Fund branch where you plan to apply.

We have sorted out the documents to the Pension Fund for repaying the mortgage with maternity capital, now let’s talk about the application, and specifically about how to write it so that representatives of the Pension Fund cannot refuse.

Application writing process

Pension Fund employees are especially sensitive to the application. It must be filled out correctly. Corrections are not allowed. You can fill it out in front of a specialist or yourself at home. It must indicate the applicant's full name and status (mother, father or other legal representative).

Next you need to write your SNILS number.

It is mandatory to indicate the certificate number and its series, children’s names and passport details. The passport data must indicate not only the series and number, but also the place and date of issue. Don't forget to include the department code at the end.

As for registration, it is written according to the wording.

Initially, write the name of the country, then the name of the subject of the Russian Federation, then the district (if you do not live in the main city of the subject), city, district, street, house and apartment number.

If the physical and legal addresses do not match, then in the same order you need to indicate where exactly you live at the moment.

The letter will be sent to this address. Don't forget to specify the index in both cases.

Below is a standard quick survey, which includes several questions about the presence of an outstanding criminal record and various factors that may impede the payment of budget funds.

The last point involves writing the amount required for the transfer and a list of documents provided. You can use the entire amount or just a portion to purchase real estate. Methods for submitting documents

Submission of documents to the Pension Fund for maternity capital can be done in person or through a proxy. In the latter case, this person will need a power of attorney certified by a notary.

Personal delivery of documents is possible by appointment or on a first-come, first-served basis.

If you decide to go on the same day, it is recommended to come to the Pension Fund branch a couple of hours before it starts working. This is due to the fact that many people want to manage public money.

You must enter your SNILS number and other personal data.

Be prepared for registration to take 2-3 weeks.

However, you will know exactly how much time you have to prepare your documents and by what time you will be accepted.

A few days before the visit, a PFR specialist will call you to confirm your arrival and also inform you about the full list of documents that you will need.

You can also make an appointment through Gosuslugi.rf. This service also requires registration. You provide all the necessary personal data and mobile phone number for registration. Then you will receive a verification code for verification. Next, you will have to select the desired service, region and specific PFR branch.

It is worth noting that the online booking system is imperfect, so sometimes it happens that people sign up for the same time from different sites. However, this does not prevent specialists from accepting both citizens so that they can submit documents for the disposal of maternal capital.

Also the possibility of submitting documents online is being developed. It was planned to launch this function by June 1, 2016, but it turned out to be ill-conceived, so it is currently being adjusted.

After all corrective entries have been made, citizens will be able to send their documents electronically to pay off their mortgage with budget funds.

Thus, you can easily submit documents to transfer capital to pay off your mortgage.

Please note that you will have to allocate a share in housing to your children within 6 months after the debt is closed and the encumbrance is removed.

Otherwise, you will be subject to administrative and criminal liability.

You will also have to return the entire amount of maternity capital.

Russia cares about its future. Need proof? The Pension Fund of the Russian Federation issues maternity capital to those who are entitled to it by law. The program has been operating since 2007, and quite successfully. Let's figure out who the Pension Fund of the Russian Federation is crediting maternity capital to and how this happens. There are hardly people in the state who do not have a general understanding of this topic, but they may not be aware of important nuances. And this is important both for a country that cares about the future, and for families.

General meaning of the program

We live in a capitalist world where everyone works for themselves. In this regard, a fairly large layer of the population, which is very useful for the development of the country, found itself at risk. People give birth to children and raise them, they have no time to run after a big ruble. Therefore, they lose the chance to purchase housing, raise funds for their child’s education, and the like. This situation is probably considered normal under capitalism. But the country needs a healthy, educated, wealthy population; it is its main strength. Hence the program to support large families. It is working on its implementation. Maternity capital passes through the accounts of this organization and goes to the consumer, namely to citizens who have the right to it by law. The essence of the program was described: the state deals with people’s problems. Now we can begin to consider the subtleties. How can mom or dad get maternity capital? Does the Pension Fund work only in person or are there other opportunities to submit an application? All this is extremely important for parents of infants or people busy working and raising children at the same time. They simply don’t have enough time to run around the authorities.

Who has the right to maternity capital?

Not all citizens can qualify for additional, quite considerable money from the budget. The Pension Fund of Russia accrues maternity capital only to citizens of the Russian Federation. That is, it is necessary to confirm that the child is a “subject” of the country. This requires a certificate of Russian citizenship. In addition, copies of mom or dad's passports and birth certificates of all children are required. The Pension Fund of Russia, according to the program, issues maternity capital for the second or subsequent children born after January 1, 2007. Will you say that this is unfair, because it left behind many families raising babies born earlier? You will be wrong. In this way the state stimulates population growth. It offers to give birth again.

Additional documents

The Pension Fund of Russia issues maternity capital not only to one of the parents. After all, unfortunately, not all children have a mother and father. A guardian or adoptive parent has the right to apply for funding. This person must provide the inspector with documents confirming their status. It must be taken into account that all children raised by the adoptive parent (guardian) (both their own and adopted ones) will be taken into account. If the mother died or was deprived of her rights, copies of the death certificate or court decision must be attached. Gather all the papers in advance before writing your application. The Pension Fund of Russia accrues maternity capital in a short time. Employees are given three months to do this. It is advisable not to let them down by forcing them to demand more and more papers. Not many documents are required to participate in the program. As a rule, collection does not present any difficulties.

Where can the funds be spent?

Such a good and necessary program has limitations. The purpose of financing families is to correct inequality in opportunities for material support and to create normal conditions for the development of children by parents. According to the creators of the program, in the current situation it is difficult for people to buy a house or apartment, save for education, and so on. So the country takes care of these important needs. According to the law, it can be spent on:

• payment for the child's education;
• solving the housing problem;
• creating conditions for a disabled child and his social adaptation;
• added to mother's retirement account.

You can also get cash, but only in small “pieces”, in accordance with special government decisions.

How exactly do you get money?

A certificate of title to capital is half the battle. Sometimes problems arise with receiving it, but they are resolved when you apply again. It is much more difficult to collect documents for the Pension Fund for the use of maternity capital. People have many problems with this. Firstly, payments are made only in non-cash form. You decided to buy a house, for example, but the seller is afraid to get involved with the budget. It is known that all transactions are checked for the intended use of money. Certificate holders have to suffer until they find a suitable option. Secondly, the Pension Fund must still accept the papers. And this is also not an easy problem. It is recommended that you first go to the inspector and find out what instructions he has, that is, act in cooperation. This will help you avoid many pitfalls.

How to improve living conditions

Let's move on to the most subtle points. The refusal of the Pension Fund to transfer maternity capital is a very unpleasant situation. It is necessary to collect the papers correctly so as not to receive it. In order for you to be paid for the improvement of your living conditions, you first need a purchase and sale agreement registered with the state. A copy of it is attached to the application along with the certificate. If you want to spend money on repairs, you should also provide an agreement concluded with a company providing such services. But keep in mind that they will pay for the work only after it is done. By analogy, papers are selected for the construction of your own house: a document on ownership of the plot and an agreement with the company. The next document, required in all cases, must contain the bank account details of the person to whom you pay for housing (repairs or other).

When will the money be transferred?

Happy certificate holders make plans, select options, and the seller needs money. In this, their interests may conflict. It is necessary for the person with whom the contract is concluded to clearly answer in what time frame the Pension Fund transfers maternity capital. According to the law, the inspector is given one month to process the application. But it is important to be sure that you have collected all the necessary documents and nothing will have to be redone. Therefore, consult with the inspector in advance by showing the documents to the Pension Fund. Receipt of maternity capital is processed within the established time frame, but it is also possible to receive a refusal if something is missing or something is not properly executed. Therefore, it is advisable to be insured. If you receive a refusal, do not be nervous, but find out the reason in as much detail as possible. The documents will have to be redone, but you shouldn’t lose hope. Sooner or later the money will arrive in the seller's account.

What to do if not the entire amount has been spent?

When you solve one problem, you can think about further use of the manual. To do this, contact the Pension Fund. You can find out the balance of maternity capital from the inspector. This is the easiest way not to get lost in guesswork and not to be in illusions. This specialist will tell you where to direct the available funds. The fact is that the program is designed in such a way that the family solves global problems. As a rule, there is little left in the account. These funds can be added to the mother's pension. To do this, write an application, the form of which will be given by the inspector receiving you. Sometimes you can also spend money on studying. To do this, you need to make a copy of the agreement with the institution providing the services. Add it to your application and give it to a specialist. People often ask when they can use the products. Experts recommend not to delay the decision. Once you have the certificate in your hands, think about how to use it. There are no restrictions here. But do not forget that the amount or its balances are indexed annually, that is, they increase. Thus, maternity capital has almost doubled during the program. At first, parents received a certificate for 250 thousand rubles (2007), and in 2016 this amount increased to 453,026 thousand rubles.

What you should never do

It is important to understand that the Pension Fund of the Russian Federation will carefully check the maternity capital for which payments have been made. If it is discovered that budget funds were spent for other purposes, you will have to face a serious problem. There are scammers offering frivolous moms and dads to cash out their capital. You cannot agree to this under any circumstances. This is a fraud! Identified violations are dealt with by law enforcement agencies. But you can’t joke with them, fraud is a criminal offense, so you’ll have to go through not only the return of maternity capital. The Pension Fund of Russia, for its part, carefully monitors the intended use of money, but there are cases when the inspector did not pay attention, or the fraudster turned out to be more cunning. Law enforcement officers will deal with everyone, and they will not ignore moms and dads. Believe me, the state protects its money. Since they are intended for a child, they should be spent on him.

P.S

In 2014, the Russian Federation added two more entities. Families living in Crimea are also covered by the program. Moreover, like all citizens of the Russian Federation, these people can apply to the Pension Fund on a general basis, that is, receive money for children born after January 1, 2007.

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Is it possible to return maternity capital to the pension fund if the contract has been terminated? The law does not have a clear answer to this question. It is necessary to understand in more detail the features of the return of funds and the possibilities of reusing public finances.

If the contract is terminated, the money spent must be returned to the Pension Fund. Thus, the purpose indicated in the application for use of the certificate is not achieved.

Most often, the return of money occurs when it is used to improve living conditions. Usually people are interested in whether it is possible to return maternity capital to the Pension Fund of the Russian Federation spent on a mortgage. When construction is delayed, many decide to take their share back.

Difficulties arising when returning MSK to the Pension Fund of Russia